Shelby County State 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.
Other borrowed money climbed 33.3% in Q2 2026, from $3.0M to $4.0M. It was the largest change from Q1 2026 among the key lines here. Shelby County State Bank ranks 134th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 79.13% (Q2 2026). At 79.13%, Shelby County State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.4M |
| 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 | $2.7M |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.13% |
| Net loans and leases to deposits | 78.59% |
| Loans and leases to core deposits | 90.54% |
| Core deposits to total deposits | 87.39% |
| 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 | 75.80% | 95.70% | $750K | $11.9M |
| Q4 2023 | 81.00% | 94.72% | $753K | $22.8M |
| Q1 2024 | 74.78% | 89.10% | $400K | $0 |
| Q2 2024 | 78.36% | 87.99% | $2.4M | $4.5M |
| Q3 2024 | 77.79% | 87.49% | $2.5M | $4.0M |
| Q4 2024 | 77.44% | 86.27% | $2.9M | $5.2M |
| Q1 2025 | 74.76% | 87.52% | $2.5M | $0 |
| Q2 2025 | 72.38% | 87.54% | $2.4M | $0 |
| Q3 2025 | 76.19% | 86.53% | $2.4M | $8.2M |
| Q4 2025 | 79.51% | 86.48% | $2.5M | $12.9M |
| Q1 2026 | 78.32% | 86.66% | $2.7M | $3.0M |
| Q2 2026 | 79.13% | 87.39% | $2.7M | $4.0M |
Shelby County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby County State 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 Shelby County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11702) · FFIEC NIC profile (RSSD 235446)