Old Plank Trail Community Bank, 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 Cash and balances due from depository institutions: 104.8% higher than in Q1 2026, at $188.4M. Within Illinois, Old Plank Trail Community Bank, N.A. is 128th of 323 on loan-to-deposit ratio, 80.28% as of Q2 2026, above the middle of the field. Old Plank Trail Community Bank, N.A. reported 80.28% on loan-to-deposit ratio for Q2 2026, 7.92 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $188.4M |
| Cash and noninterest-bearing balances to assets | 5.33% |
| Cash and securities | $918.1M |
| Fed funds sold and reverse repos | $5K |
| 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 | $102.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.90% |
| Trading liabilities | $2.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.28% |
| Net loans and leases to deposits | 79.79% |
| Loans and leases to core deposits | 87.02% |
| Core deposits to total deposits | 80.85% |
| Brokered deposits to total deposits | 11.41% |
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 | 78.78% | 86.72% | $17.0M | $75.4M |
| Q4 2023 | 80.87% | 85.04% | $36.0M | $75.3M |
| Q1 2024 | 80.77% | 83.64% | $0 | $125.3M |
| Q2 2024 | 79.10% | 82.72% | $0 | $75.3M |
| Q3 2024 | 81.28% | 83.02% | $0 | $75.3M |
| Q4 2024 | 84.15% | 83.65% | $0 | $75.3M |
| Q1 2025 | 82.66% | 81.84% | $0 | $75.3M |
| Q2 2025 | 82.64% | 80.42% | $0 | $75.3M |
| Q3 2025 | 81.59% | 81.05% | $0 | $75.3M |
| Q4 2025 | 83.22% | 82.71% | $0 | $125.3M |
| Q1 2026 | 82.70% | 81.89% | $0 | $127.5M |
| Q2 2026 | 80.28% | 80.85% | $0 | $102.6M |
Old Plank Trail Community Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Plank Trail Community Bank, 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 Old Plank Trail Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58314) · FFIEC NIC profile (RSSD 3404207)