Republic Bank of Chicago: 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.
Cash and noninterest-bearing balances to assets dropped 1.77 percentage points in Q2 2026, from 12.67% to 10.89%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Republic Bank of Chicago is 177th of 323 on loan-to-deposit ratio, 74.08% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Republic Bank of Chicago sits 14.12 points lower, at 74.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $284.4M |
| Cash and noninterest-bearing balances to assets | 10.89% |
| Cash and securities | $842.8M |
| 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 | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.08% |
| Net loans and leases to deposits | 73.21% |
| Loans and leases to core deposits | 81.99% |
| Core deposits to total deposits | 90.13% |
| Brokered deposits to total deposits | 0.22% |
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 | 76.27% | 89.69% | $0 | $120.0M |
| Q4 2023 | 82.66% | 90.78% | $0 | $120.0M |
| Q1 2024 | 82.17% | 88.05% | $0 | $210.0M |
| Q2 2024 | 84.51% | 88.03% | $0 | $210.0M |
| Q3 2024 | 80.23% | 85.67% | $0 | $180.0M |
| Q4 2024 | 78.88% | 87.52% | $0 | $85.0M |
| Q1 2025 | 77.15% | 88.05% | $0 | $35.0M |
| Q2 2025 | 74.69% | 89.31% | $0 | $35.0M |
| Q3 2025 | 76.03% | 90.24% | $0 | $5.0M |
| Q4 2025 | 72.28% | 91.37% | $0 | $5.0M |
| Q1 2026 | 74.25% | 90.24% | $0 | $5.0M |
| Q2 2026 | 74.08% | 90.13% | $0 | $5.0M |
Republic Bank of Chicago liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank of Chicago, 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 Republic Bank of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19333) · FFIEC NIC profile (RSSD 671334)