Settlers Bank: 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.
Fed funds sold and reverse repos climbed 15.6% in Q2 2026, from $7.9M to $9.1M. It was the largest change from Q1 2026 among the key lines here. Settlers Bank ranks 93rd of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 78.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Settlers Bank reported 78.46% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.2M |
| Fed funds sold and reverse repos | $9.1M |
| Fed funds sold and reverse repos to assets | 6.42% |
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 | 78.46% |
| Net loans and leases to deposits | 77.11% |
| Loans and leases to core deposits | 81.09% |
| Core deposits to total deposits | 96.77% |
| 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 | 67.94% | 97.74% | $0 | $0 |
| Q4 2023 | 69.41% | 97.75% | $0 | $0 |
| Q1 2024 | 71.29% | 96.87% | $0 | $0 |
| Q2 2024 | 72.56% | 96.24% | $0 | $0 |
| Q3 2024 | 72.07% | 96.75% | $0 | $0 |
| Q4 2024 | 72.04% | 96.78% | $0 | $0 |
| Q1 2025 | 71.56% | 96.91% | $0 | $0 |
| Q2 2025 | 76.94% | 96.68% | $0 | $0 |
| Q3 2025 | 76.39% | 96.50% | $0 | $0 |
| Q4 2025 | 78.66% | 96.50% | $0 | $0 |
| Q1 2026 | 78.16% | 96.74% | $0 | $0 |
| Q2 2026 | 78.46% | 96.77% | $0 | $0 |
Settlers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Settlers Bank, 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 Settlers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35060) · FFIEC NIC profile (RSSD 2747279)