Prairie Community 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 400.0% higher than in Q1 2026, at $5.1M. Prairie Community Bank ranks 139th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.66% (Q2 2026). At 78.66%, Prairie Community Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.8M |
| Fed funds sold and reverse repos | $5.1M |
| Fed funds sold and reverse repos to assets | 2.71% |
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 | 78.66% |
| Net loans and leases to deposits | 77.46% |
| Loans and leases to core deposits | 84.10% |
| Core deposits to total deposits | 93.54% |
| 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 | 68.81% | 94.05% | $0 | $3.0M |
| Q4 2023 | 71.67% | 93.93% | $0 | $3.0M |
| Q1 2024 | 73.01% | 94.09% | $0 | $3.0M |
| Q2 2024 | 72.80% | 94.29% | $0 | $3.0M |
| Q3 2024 | 72.59% | 93.12% | $0 | $2.0M |
| Q4 2024 | 80.15% | 92.73% | $0 | $2.0M |
| Q1 2025 | 73.87% | 93.97% | $0 | $3.0M |
| Q2 2025 | 73.74% | 93.17% | $0 | $2.0M |
| Q3 2025 | 72.13% | 93.22% | $0 | $1.0M |
| Q4 2025 | 73.84% | 93.17% | $0 | $0 |
| Q1 2026 | 73.03% | 92.75% | $0 | $0 |
| Q2 2026 | 78.66% | 93.54% | $0 | $0 |
Prairie Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie Community 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 Prairie Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34526) · FFIEC NIC profile (RSSD 2598396)