The Old Exchange National Bank of Okawville: 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.
Cash and balances due from depository institutions dropped 48.4% in Q2 2026, from $7.4M to $3.8M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Old Exchange National Bank of Okawville is 290th of 323 on loan-to-deposit ratio, 48.55% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Old Exchange National Bank of Okawville sits 19.07 points lower, at 48.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.4M |
| 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 | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.55% |
| Net loans and leases to deposits | 48.05% |
| Loans and leases to core deposits | 52.56% |
| Core deposits to total deposits | 92.37% |
| 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 | 40.69% | 95.16% | $0 | $3.2M |
| Q4 2023 | 44.25% | 95.38% | $0 | $3.2M |
| Q1 2024 | 45.12% | 94.97% | $0 | $3.2M |
| Q2 2024 | 48.36% | 93.55% | $0 | $3.2M |
| Q3 2024 | 49.84% | 93.80% | $33K | $4.2M |
| Q4 2024 | 50.80% | 93.85% | $0 | $4.2M |
| Q1 2025 | 45.90% | 93.99% | $0 | $3.0M |
| Q2 2025 | 48.21% | 93.59% | $0 | $3.0M |
| Q3 2025 | 47.85% | 93.01% | $0 | $3.0M |
| Q4 2025 | 47.53% | 93.73% | $0 | $3.0M |
| Q1 2026 | 47.41% | 93.25% | $0 | $3.0M |
| Q2 2026 | 48.55% | 92.37% | $0 | $3.0M |
The Old Exchange National Bank of Okawville liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Old Exchange National Bank of Okawville, 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 The Old Exchange National Bank of Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3827) · FFIEC NIC profile (RSSD 411240)