Petefish, Skiles & Company: 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 Loans and leases to core deposits: 4.80 percentage points higher than in Q1 2026, at 84.65%. Petefish, Skiles & Company ranks 121st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Petefish, Skiles & Company reported 80.75% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.1M |
| 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 | $8.4M |
| 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 | 80.75% |
| Net loans and leases to deposits | 79.98% |
| Loans and leases to core deposits | 84.65% |
| Core deposits to total deposits | 95.39% |
| 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 | 68.87% | 94.44% | $6.1M | $0 |
| Q4 2023 | 76.77% | 94.42% | $7.7M | $0 |
| Q1 2024 | 73.91% | 91.67% | $6.3M | $0 |
| Q2 2024 | 78.08% | 94.44% | $6.2M | $0 |
| Q3 2024 | 80.83% | 93.35% | $6.6M | $0 |
| Q4 2024 | 77.53% | 94.48% | $7.6M | $0 |
| Q1 2025 | 73.72% | 94.47% | $10.1M | $0 |
| Q2 2025 | 77.81% | 94.60% | $8.2M | $0 |
| Q3 2025 | 81.45% | 94.19% | $8.6M | $0 |
| Q4 2025 | 81.53% | 95.23% | $7.8M | $0 |
| Q1 2026 | 76.05% | 95.25% | $8.1M | $0 |
| Q2 2026 | 80.75% | 95.39% | $8.4M | $0 |
Petefish, Skiles & Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Petefish, Skiles & Company, 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 Petefish, Skiles & Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10829) · FFIEC NIC profile (RSSD 602543)