Prairie State Bank & Trust: 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: 40.6% higher than in Q1 2026, at $60.5M. Within Illinois, Prairie State Bank & Trust is 158th of 323 on loan-to-deposit ratio, 75.71% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Prairie State Bank & Trust sits 5.13 points lower, at 75.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.5M |
| Cash and noninterest-bearing balances to assets | 7.20% |
| Cash and securities | $270.8M |
| 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 | $6.1M |
| 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 | 75.71% |
| Net loans and leases to deposits | 74.91% |
| Loans and leases to core deposits | 81.42% |
| Core deposits to total deposits | 92.98% |
| 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 | 73.99% | 95.57% | $6.0M | $11.0M |
| Q4 2023 | 77.98% | 94.19% | $2.8M | $31.0M |
| Q1 2024 | 75.35% | 93.16% | $4.8M | $0 |
| Q2 2024 | 72.56% | 92.52% | $5.9M | $0 |
| Q3 2024 | 76.86% | 91.93% | $5.5M | $3.7M |
| Q4 2024 | 78.47% | 91.88% | $2.0M | $0 |
| Q1 2025 | 77.44% | 92.16% | $4.4M | $0 |
| Q2 2025 | 79.13% | 92.94% | $4.9M | $0 |
| Q3 2025 | 79.29% | 92.66% | $3.2M | $0 |
| Q4 2025 | 80.34% | 92.99% | $1.3M | $0 |
| Q1 2026 | 78.73% | 92.95% | $4.6M | $0 |
| Q2 2026 | 75.71% | 92.98% | $6.1M | $0 |
Prairie State Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie State Bank & Trust, 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 State Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27362) · FFIEC NIC profile (RSSD 1222948)