Sidney 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.
Cash and balances due from depository institutions dropped 22.6% in Q2 2026, from $10.3M to $8.0M. It was the largest change from Q1 2026 among the key lines here. Sidney State Bank ranks 48th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 75.10% (Q2 2026). Sidney State Bank reported 75.10% on loan-to-deposit ratio for Q2 2026, 5.46 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.2M |
| 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 | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.10% |
| Net loans and leases to deposits | 73.84% |
| Loans and leases to core deposits | 78.81% |
| Core deposits to total deposits | 95.01% |
| Brokered deposits to total deposits | 0.29% |
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 | 81.10% | 94.06% | $0 | $1.5M |
| Q4 2023 | 77.76% | 94.11% | $0 | $1.5M |
| Q1 2024 | 75.81% | 93.18% | $0 | $1.0M |
| Q2 2024 | 78.97% | 92.25% | $0 | $1.0M |
| Q3 2024 | 79.95% | 92.64% | $0 | $1.0M |
| Q4 2024 | 77.48% | 93.29% | $0 | $1.0M |
| Q1 2025 | 71.62% | 94.66% | $0 | $1.0M |
| Q2 2025 | 71.89% | 94.54% | $0 | $1.0M |
| Q3 2025 | 71.82% | 93.65% | $0 | $1.0M |
| Q4 2025 | 75.50% | 93.60% | $0 | $1.0M |
| Q1 2026 | 74.30% | 94.73% | $0 | $1.0M |
| Q2 2026 | 75.10% | 95.01% | $0 | $1.0M |
Sidney State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney 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 Sidney State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17232) · FFIEC NIC profile (RSSD 648345)