Schaumburg Bank & Trust Company, 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 climbed 162.7% in Q2 2026, from $36.3M to $95.5M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Schaumburg Bank & Trust Company, N.A. is 98th of 323 on loan-to-deposit ratio, 84.26% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Schaumburg Bank & Trust Company, N.A. sits 3.95 points lower, at 84.26% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $95.5M |
| Cash and noninterest-bearing balances to assets | 3.73% |
| Cash and securities | $626.5M |
| Fed funds sold and reverse repos | $4K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $23.0M |
| Other borrowed money | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.93% |
| Trading liabilities | $4.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.26% |
| Net loans and leases to deposits | 83.83% |
| Loans and leases to core deposits | 91.55% |
| Core deposits to total deposits | 80.78% |
| Brokered deposits to total deposits | 11.28% |
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 | 88.31% | 80.78% | $0 | $125.1M |
| Q4 2023 | 94.62% | 82.88% | $20.0M | $125.0M |
| Q1 2024 | 94.03% | 81.40% | $0 | $125.0M |
| Q2 2024 | 90.33% | 78.65% | $0 | $75.0M |
| Q3 2024 | 92.79% | 79.37% | $36.0M | $75.0M |
| Q4 2024 | 91.74% | 81.37% | $22.0M | $75.0M |
| Q1 2025 | 91.77% | 79.08% | $0 | $75.0M |
| Q2 2025 | 87.93% | 76.77% | $0 | $75.0M |
| Q3 2025 | 87.42% | 78.69% | $0 | $75.0M |
| Q4 2025 | 86.58% | 80.80% | $0 | $75.0M |
| Q1 2026 | 86.25% | 81.24% | $17.0M | $75.0M |
| Q2 2026 | 84.26% | 80.78% | $23.0M | $75.0M |
Schaumburg Bank & Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Schaumburg Bank & Trust Company, 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 Schaumburg Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57103) · FFIEC NIC profile (RSSD 2970657)