Resource Bank, N.A.: 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 balances due from depository institutions dropped 34.6% in Q2 2026, from $70.0M to $45.8M. It was the largest change from Q1 2026 among the key lines here. Resource Bank, N.A. ranks 236th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Resource Bank, N.A. sits 16.80 points lower, at 64.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $336.5M |
| 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 | $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 | 64.03% |
| Net loans and leases to deposits | 63.28% |
| Loans and leases to core deposits | 68.03% |
| Core deposits to total deposits | 94.12% |
| 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 | 63.34% | 97.75% | $0 | $0 |
| Q4 2023 | 67.98% | 96.94% | $0 | $46.0M |
| Q1 2024 | 68.27% | 95.29% | $0 | $46.0M |
| Q2 2024 | 68.84% | 94.93% | $0 | $46.0M |
| Q3 2024 | 67.54% | 94.51% | $0 | $46.0M |
| Q4 2024 | 67.54% | 94.00% | $0 | $0 |
| Q1 2025 | 67.18% | 94.22% | $0 | $0 |
| Q2 2025 | 66.90% | 93.79% | $0 | $0 |
| Q3 2025 | 65.32% | 93.58% | $0 | $0 |
| Q4 2025 | 67.31% | 93.81% | $0 | $0 |
| Q1 2026 | 64.72% | 93.94% | $0 | $0 |
| Q2 2026 | 64.03% | 94.12% | $0 | $0 |
Resource Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Resource Bank, N.A., 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 Resource Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3701) · FFIEC NIC profile (RSSD 235530)