Prospect 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: 71.3% higher than in Q1 2026, at $3.8M. Prospect Bank ranks 142nd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.43% (Q2 2026). At 78.43%, Prospect 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 | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $208.1M |
| Fed funds sold and reverse repos | $3.8M |
| Fed funds sold and reverse repos to assets | 0.54% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $30.0M |
| Other borrowed money | $32.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.43% |
| Net loans and leases to deposits | 77.88% |
| Loans and leases to core deposits | 87.35% |
| Core deposits to total deposits | 73.21% |
| Brokered deposits to total deposits | 16.57% |
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 | 91.34% | 82.53% | $45.3M | $105.0M |
| Q4 2023 | 90.93% | 80.66% | $42.6M | $105.0M |
| Q1 2024 | 91.71% | 79.47% | $40.0M | $105.0M |
| Q2 2024 | 95.96% | 77.95% | $64.0M | $101.0M |
| Q3 2024 | 85.20% | 74.05% | $35.8M | $70.0M |
| Q4 2024 | 83.54% | 73.76% | $29.1M | $56.0M |
| Q1 2025 | 80.18% | 73.36% | $25.5M | $42.5M |
| Q2 2025 | 80.33% | 72.24% | $22.9M | $32.5M |
| Q3 2025 | 73.87% | 70.70% | $23.4M | $32.5M |
| Q4 2025 | 78.89% | 73.30% | $26.7M | $32.5M |
| Q1 2026 | 75.58% | 73.78% | $28.7M | $32.5M |
| Q2 2026 | 78.43% | 73.21% | $30.0M | $32.5M |
Prospect Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Prospect 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 Prospect Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3722) · FFIEC NIC profile (RSSD 738143)