Northbrook Bank & Trust Company, N.A.: 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $4K. Northbrook Bank & Trust Company, N.A. ranks 107th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 83.23% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Northbrook Bank & Trust Company, N.A. sits 4.98 points lower, at 83.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $882.2M |
| Cash and noninterest-bearing balances to assets | 13.86% |
| Cash and securities | $1.75B |
| Fed funds sold and reverse repos | $4K |
| 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 | $425.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.68% |
| Trading liabilities | $4.2M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.23% |
| Net loans and leases to deposits | 82.72% |
| Loans and leases to core deposits | 87.97% |
| Core deposits to total deposits | 82.43% |
| Brokered deposits to total deposits | 12.36% |
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 | 86.85% | 82.29% | $0 | $250.0M |
| Q4 2023 | 81.36% | 85.38% | $0 | $250.0M |
| Q1 2024 | 80.18% | 81.58% | $0 | $300.0M |
| Q2 2024 | 86.49% | 80.69% | $0 | $375.3M |
| Q3 2024 | 82.01% | 81.34% | $0 | $375.2M |
| Q4 2024 | 74.66% | 85.41% | $0 | $375.2M |
| Q1 2025 | 85.28% | 79.47% | $0 | $375.0M |
| Q2 2025 | 85.20% | 82.65% | $0 | $375.0M |
| Q3 2025 | 86.72% | 84.82% | $0 | $375.0M |
| Q4 2025 | 86.31% | 82.54% | $0 | $425.0M |
| Q1 2026 | 75.25% | 84.95% | $0 | $425.0M |
| Q2 2026 | 83.23% | 82.43% | $0 | $425.0M |
Northbrook Bank & Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northbrook Bank & Trust Company, N.A., 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 Northbrook Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57082) · FFIEC NIC profile (RSSD 2938198)