The Sherwood 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 20.9% higher than in Q1 2026, at $2.5M. Within Ohio, The Sherwood State Bank is 51st of 156 on loan-to-deposit ratio, 89.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Sherwood State Bank sits 8.70 points higher, at 89.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.6M |
| Fed funds sold and reverse repos | $316K |
| Fed funds sold and reverse repos to assets | 0.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.54% |
| Net loans and leases to deposits | 88.44% |
| Loans and leases to core deposits | 96.79% |
| Core deposits to total deposits | 92.51% |
| 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 | 88.94% | 93.67% | $486K | $6.4M |
| Q4 2023 | 87.05% | 92.93% | $0 | $5.4M |
| Q1 2024 | 89.75% | 92.19% | $105K | $6.4M |
| Q2 2024 | 89.58% | 92.32% | $42K | $5.9M |
| Q3 2024 | 91.29% | 92.28% | $2.1M | $4.8M |
| Q4 2024 | 82.56% | 92.48% | $0 | $5.2M |
| Q1 2025 | 89.40% | 91.97% | $0 | $6.2M |
| Q2 2025 | 90.97% | 91.88% | $0 | $6.7M |
| Q3 2025 | 91.50% | 91.82% | $787K | $5.1M |
| Q4 2025 | 91.00% | 93.47% | $826K | $4.5M |
| Q1 2026 | 90.80% | 92.38% | $554K | $4.4M |
| Q2 2026 | 89.54% | 92.51% | $0 | $4.3M |
The Sherwood State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Sherwood 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 The Sherwood State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16222) · FFIEC NIC profile (RSSD 546320)