Springfield 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 46.4% higher than in Q1 2026, at $17.8M. Springfield State Bank ranks 44th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 87.15% (Q2 2026). Springfield State Bank reported 87.15% on loan-to-deposit ratio for Q2 2026, 6.60 points above 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 | $17.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.2M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 0.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $12.7M |
| Other borrowed money | $21.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.15% |
| Net loans and leases to deposits | 86.15% |
| Loans and leases to core deposits | 100.80% |
| Core deposits to total deposits | 84.40% |
| Brokered deposits to total deposits | 2.06% |
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 | 82.98% | 90.57% | $13.1M | $28.8M |
| Q4 2023 | 85.88% | 89.70% | $21.5M | $27.9M |
| Q1 2024 | 84.08% | 87.34% | $15.8M | $26.9M |
| Q2 2024 | 85.55% | 87.10% | $10.1M | $35.0M |
| Q3 2024 | 86.97% | 84.93% | $13.9M | $31.0M |
| Q4 2024 | 87.63% | 85.06% | $17.8M | $24.2M |
| Q1 2025 | 88.26% | 85.01% | $11.0M | $29.4M |
| Q2 2025 | 88.15% | 84.86% | $11.6M | $25.6M |
| Q3 2025 | 88.72% | 85.73% | $11.5M | $27.7M |
| Q4 2025 | 88.05% | 85.95% | $13.3M | $24.0M |
| Q1 2026 | 87.33% | 85.11% | $9.2M | $22.4M |
| Q2 2026 | 87.15% | 84.40% | $12.7M | $21.7M |
Springfield State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Springfield 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 Springfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8772) · FFIEC NIC profile (RSSD 197142)