Southern Illinois 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 Loans and leases to core deposits: 1.26 percentage points higher than in Q1 2026, at 66.63%. Within Illinois, Southern Illinois Bank is 232nd of 323 on loan-to-deposit ratio, 64.43% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Southern Illinois Bank sits 16.41 points lower, at 64.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.3M |
| Fed funds sold and reverse repos | $15.1M |
| Fed funds sold and reverse repos to assets | 11.07% |
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 | 64.43% |
| Net loans and leases to deposits | 63.57% |
| Loans and leases to core deposits | 66.63% |
| Core deposits to total deposits | 96.69% |
| 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 | 71.47% | 95.77% | $0 | $5.0M |
| Q4 2023 | 73.36% | 94.19% | $0 | $5.0M |
| Q1 2024 | 71.72% | 93.73% | $0 | $5.0M |
| Q2 2024 | 72.90% | 94.09% | $0 | $5.0M |
| Q3 2024 | 72.14% | 92.76% | $0 | $5.0M |
| Q4 2024 | 77.58% | 92.10% | $0 | $15.5M |
| Q1 2025 | 76.64% | 95.32% | $0 | $15.5M |
| Q2 2025 | 68.61% | 95.96% | $0 | $5.5M |
| Q3 2025 | 70.86% | 95.69% | $0 | $5.5M |
| Q4 2025 | 70.27% | 95.46% | $0 | $0 |
| Q1 2026 | 63.41% | 96.99% | $0 | $0 |
| Q2 2026 | 64.43% | 96.69% | $0 | $0 |
Southern Illinois Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Illinois 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 Southern Illinois Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35229) · FFIEC NIC profile (RSSD 2847085)