Smartbiz Bank, N.A.: 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 Other borrowed money: 100.0% lower than in Q1 2026, at $0. Within Illinois, Smartbiz Bank, N.A. is 82nd of 323 on loan-to-deposit ratio, 87.27% 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. Smartbiz Bank, N.A. sits 6.43 points higher, at 87.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.3M |
| Fed funds sold and reverse repos | $21.9M |
| Fed funds sold and reverse repos to assets | 10.91% |
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 | 87.27% |
| Net loans and leases to deposits | 85.40% |
| Loans and leases to core deposits | 109.67% |
| Core deposits to total deposits | 75.98% |
| Brokered deposits to total deposits | 3.59% |
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 | 81.38% | 76.71% | $0 | $2.5M |
| Q4 2023 | 83.09% | 71.45% | $0 | $5.0M |
| Q1 2024 | 83.13% | 70.72% | $0 | $5.0M |
| Q2 2024 | 86.58% | 72.63% | $0 | $5.0M |
| Q3 2024 | 84.44% | 78.59% | $0 | $5.0M |
| Q4 2024 | 87.27% | 76.57% | $0 | $2.5M |
| Q1 2025 | 84.87% | 77.19% | $0 | $2.5M |
| Q2 2025 | 91.12% | 76.95% | $0 | $7.0M |
| Q3 2025 | 91.21% | 78.26% | $0 | $3.0M |
| Q4 2025 | 95.22% | 72.82% | $0 | $11.0M |
| Q1 2026 | 90.80% | 76.60% | $0 | $10.0M |
| Q2 2026 | 87.27% | 75.98% | $0 | $0 |
Smartbiz Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Smartbiz Bank, N.A., 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 Smartbiz Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58158) · FFIEC NIC profile (RSSD 3377235)