North County Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 1.68 percentage points in Q2 2026, from 52.78% to 54.46%. It was the largest change from Q1 2026 among the key lines here. North County Savings Bank ranks 287th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 49.15% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. North County Savings Bank sits 18.47 points lower, at 49.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.15% |
| Net loans and leases to deposits | 48.93% |
| Loans and leases to core deposits | 54.46% |
| Core deposits to total deposits | 90.25% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 44.06% | 92.11% | $0 | $2.0M |
| Q4 2023 | 46.47% | 90.12% | $0 | $2.1M |
| Q1 2024 | 43.75% | 89.16% | $0 | $0 |
| Q2 2024 | 44.97% | 88.54% | $0 | $0 |
| Q3 2024 | 46.36% | 88.23% | $0 | $0 |
| Q4 2024 | 48.75% | 88.41% | $0 | $0 |
| Q1 2025 | 48.26% | 88.49% | $0 | $0 |
| Q2 2025 | 46.50% | 89.67% | $0 | $0 |
| Q3 2025 | 46.72% | 87.93% | $0 | $0 |
| Q4 2025 | 47.52% | 89.56% | $0 | $0 |
| Q1 2026 | 48.40% | 91.69% | $0 | $0 |
| Q2 2026 | 49.15% | 90.25% | $0 | $0 |
North County Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North County Savings Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full North County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30656) · FFIEC NIC profile (RSSD 482370)