St. Charles Bank & Trust Company, 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 Cash and balances due from depository institutions: 193.5% higher than in Q1 2026, at $126.9M. Within Illinois, St. Charles Bank & Trust Company, N.A. is 73rd of 323 on loan-to-deposit ratio, 87.96% as of Q2 2026, above the middle of the field. At 87.96%, St. Charles Bank & Trust Company, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $126.9M |
| Cash and noninterest-bearing balances to assets | 3.44% |
| Cash and securities | $782.6M |
| Fed funds sold and reverse repos | $4K |
| 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 | $163.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.44% |
| Trading liabilities | $2.2M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.96% |
| Net loans and leases to deposits | 87.44% |
| Loans and leases to core deposits | 97.05% |
| Core deposits to total deposits | 81.29% |
| Brokered deposits to total deposits | 9.34% |
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 | 86.12% | 84.16% | $0 | $131.6M |
| Q4 2023 | 91.09% | 81.39% | $0 | $133.6M |
| Q1 2024 | 87.81% | 80.24% | $0 | $133.7M |
| Q2 2024 | 89.36% | 79.26% | $0 | $110.8M |
| Q3 2024 | 87.65% | 79.90% | $0 | $111.0M |
| Q4 2024 | 94.32% | 80.08% | $0 | $111.8M |
| Q1 2025 | 93.16% | 77.44% | $0 | $114.3M |
| Q2 2025 | 86.14% | 79.74% | $0 | $114.3M |
| Q3 2025 | 87.51% | 81.52% | $0 | $114.1M |
| Q4 2025 | 89.85% | 81.03% | $0 | $163.7M |
| Q1 2026 | 90.62% | 81.49% | $16.0M | $163.6M |
| Q2 2026 | 87.96% | 81.29% | $0 | $163.8M |
St. Charles Bank & Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Charles Bank & Trust Company, 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 St. Charles Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27052) · FFIEC NIC profile (RSSD 428547)