Sidney Federal Savings and Loan Association: 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: 6.98 percentage points higher than in Q1 2026, at 35.14%. Sidney Federal Savings and Loan Association has the 3rd lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 34.84% as of Q2 2026. Sidney Federal Savings and Loan Association reported 34.84% on loan-to-deposit ratio for Q2 2026, 33.08 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.1M |
| Fed funds sold and reverse repos | $19.6M |
| Fed funds sold and reverse repos to assets | 35.30% |
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 | 34.84% |
| Net loans and leases to deposits | 34.53% |
| Loans and leases to core deposits | 35.14% |
| Core deposits to total deposits | 99.16% |
| 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 | 62.53% | 93.94% | $0 | $0 |
| Q4 2023 | 61.17% | 93.85% | $0 | $0 |
| Q1 2024 | 61.43% | 97.42% | $0 | $0 |
| Q2 2024 | 59.67% | 97.40% | $0 | $0 |
| Q3 2024 | 57.27% | 97.52% | $0 | $0 |
| Q4 2024 | 54.07% | 97.54% | $0 | $0 |
| Q1 2025 | 55.49% | 97.41% | $0 | $0 |
| Q2 2025 | 18.63% | 98.99% | $0 | $0 |
| Q3 2025 | 19.21% | 99.11% | $0 | $0 |
| Q4 2025 | 20.54% | 99.15% | $0 | $0 |
| Q1 2026 | 27.92% | 99.16% | $0 | $0 |
| Q2 2026 | 34.84% | 99.16% | $0 | $0 |
Sidney Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney Federal Savings and Loan Association, 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 Sidney Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29379) · FFIEC NIC profile (RSSD 304575)