Security Bank, S.B.: 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 Loans and leases to core deposits: 7.07 percentage points higher than in Q1 2026, at 78.63%. Within Illinois, Security Bank, S.B. is 175th of 323 on loan-to-deposit ratio, 74.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Security Bank, S.B. sits 6.42 points lower, at 74.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $95.9M |
| Fed funds sold and reverse repos | $101K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $35.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.13% |
| Net loans and leases to deposits | 73.50% |
| Loans and leases to core deposits | 78.63% |
| Core deposits to total deposits | 94.28% |
| 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 | 62.21% | 99.39% | $0 | $5.0M |
| Q4 2023 | 61.29% | 96.65% | $0 | $10.5M |
| Q1 2024 | 50.87% | 92.20% | $0 | $0 |
| Q2 2024 | 52.71% | 90.48% | $0 | $0 |
| Q3 2024 | 49.66% | 93.04% | $0 | $0 |
| Q4 2024 | 57.09% | 94.74% | $0 | $0 |
| Q1 2025 | 55.35% | 95.32% | $0 | $0 |
| Q2 2025 | 56.29% | 95.58% | $0 | $0 |
| Q3 2025 | 63.93% | 94.13% | $0 | $622K |
| Q4 2025 | 60.18% | 93.63% | $0 | $35.6M |
| Q1 2026 | 67.21% | 93.91% | $0 | $35.6M |
| Q2 2026 | 74.13% | 94.28% | $0 | $35.6M |
Security Bank, S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, S.B., 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 Security Bank, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27723) · FFIEC NIC profile (RSSD 218878)