Sauk Valley Bank & Trust Company: 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 climbed 318.3% in Q2 2026, from $14.8M to $62.1M. It was the largest change from Q1 2026 among the key lines here. Sauk Valley Bank & Trust Company ranks 114th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 82.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Sauk Valley Bank & Trust Company reported 82.02% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $62.1M |
| Cash and noninterest-bearing balances to assets | 7.64% |
| Cash and securities | $215.9M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 0.21% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.8M |
| Other borrowed money | $51.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.02% |
| Net loans and leases to deposits | 80.87% |
| Loans and leases to core deposits | 87.87% |
| Core deposits to total deposits | 84.87% |
| Brokered deposits to total deposits | 8.69% |
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 | 77.70% | 90.50% | $4.1M | $52.9M |
| Q4 2023 | 81.43% | 86.58% | $3.4M | $56.6M |
| Q1 2024 | 82.85% | 84.80% | $3.8M | $50.8M |
| Q2 2024 | 82.03% | 86.15% | $5.2M | $33.7M |
| Q3 2024 | 81.57% | 86.31% | $4.3M | $37.3M |
| Q4 2024 | 84.70% | 82.21% | $4.5M | $42.3M |
| Q1 2025 | 84.53% | 82.41% | $4.4M | $42.9M |
| Q2 2025 | 83.86% | 83.78% | $4.4M | $47.8M |
| Q3 2025 | 86.25% | 83.84% | $4.2M | $51.3M |
| Q4 2025 | 89.58% | 82.52% | $4.2M | $63.0M |
| Q1 2026 | 89.00% | 82.70% | $4.0M | $55.9M |
| Q2 2026 | 82.02% | 84.87% | $3.8M | $51.5M |
Sauk Valley Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sauk Valley Bank & Trust Company, 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 Sauk Valley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35131) · FFIEC NIC profile (RSSD 2797162)