Southerntrust 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.
Loans and leases to core deposits climbed 2.42 percentage points in Q2 2026, from 117.87% to 120.29%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Southerntrust Bank ranks 9th highest among the 323 banks headquartered in Illinois, at 109.57% (Q2 2026). Southerntrust Bank reported 109.57% on loan-to-deposit ratio for Q2 2026, 28.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.9M |
| 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 | $54.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 19.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.57% |
| Net loans and leases to deposits | 108.14% |
| Loans and leases to core deposits | 120.29% |
| Core deposits to total deposits | 91.08% |
| 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 | 104.23% | 90.90% | $0 | $48.6M |
| Q4 2023 | 99.38% | 91.74% | $0 | $48.6M |
| Q1 2024 | 101.97% | 91.12% | $0 | $48.7M |
| Q2 2024 | 103.83% | 91.03% | $0 | $43.6M |
| Q3 2024 | 108.23% | 90.54% | $0 | $52.6M |
| Q4 2024 | 103.91% | 90.58% | $0 | $52.6M |
| Q1 2025 | 102.11% | 90.96% | $0 | $46.6M |
| Q2 2025 | 104.72% | 89.70% | $0 | $53.1M |
| Q3 2025 | 105.95% | 89.24% | $0 | $46.1M |
| Q4 2025 | 102.97% | 92.43% | $0 | $55.6M |
| Q1 2026 | 107.89% | 91.53% | $0 | $54.5M |
| Q2 2026 | 109.57% | 91.08% | $0 | $54.4M |
Southerntrust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southerntrust 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 Southerntrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57897) · FFIEC NIC profile (RSSD 3316739)