Providence 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 Other borrowed money: 33.3% lower than in Q1 2026, at $10.0M. Within Illinois, Providence Bank & Trust is 122nd of 323 on loan-to-deposit ratio, 80.70% as of Q2 2026, above the middle of the field. Providence Bank & Trust reported 80.70% on loan-to-deposit ratio for Q2 2026, 7.51 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $426.6M |
| Fed funds sold and reverse repos | $12.8M |
| Fed funds sold and reverse repos to assets | 0.82% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.70% |
| Net loans and leases to deposits | 79.50% |
| Loans and leases to core deposits | 86.50% |
| Core deposits to total deposits | 93.29% |
| 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 | 78.11% | 90.60% | $9.2M | $73.3M |
| Q4 2023 | 77.50% | 89.40% | $9.5M | $72.6M |
| Q1 2024 | 76.88% | 88.17% | $3.0M | $62.7M |
| Q2 2024 | 79.95% | 93.18% | $12.9M | $62.1M |
| Q3 2024 | 78.87% | 92.78% | $2.0M | $52.6M |
| Q4 2024 | 76.52% | 93.68% | $3.0M | $45.0M |
| Q1 2025 | 79.36% | 93.18% | $2.7M | $45.0M |
| Q2 2025 | 80.89% | 92.99% | $1.3M | $25.0M |
| Q3 2025 | 79.95% | 92.76% | $527K | $25.0M |
| Q4 2025 | 81.16% | 93.39% | $2.2M | $15.0M |
| Q1 2026 | 83.67% | 93.41% | $0 | $15.0M |
| Q2 2026 | 80.70% | 93.29% | $0 | $10.0M |
Providence Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Providence 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 Providence Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57754) · FFIEC NIC profile (RSSD 3280625)