St. Johns Bank & Trust Company: 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.
Fed funds sold and reverse repos dropped 99.7% in Q2 2026, from $3.1M to $10K. It was the largest change from Q1 2026 among the key lines here. Within Missouri, St. Johns Bank & Trust Company is 96th of 192 on loan-to-deposit ratio, 85.70% 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. St. Johns Bank & Trust Company sits 4.86 points higher, at 85.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.5M |
| Fed funds sold and reverse repos | $10K |
| 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 | $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 | 85.70% |
| Net loans and leases to deposits | 84.30% |
| Loans and leases to core deposits | 86.55% |
| Core deposits to total deposits | 99.01% |
| 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 | 80.59% | 99.28% | $0 | $0 |
| Q4 2023 | 87.05% | 99.23% | $0 | $20.8M |
| Q1 2024 | 87.24% | 98.95% | $0 | $9.3M |
| Q2 2024 | 84.49% | 98.95% | $0 | $1.6M |
| Q3 2024 | 84.94% | 99.03% | $0 | $4.2M |
| Q4 2024 | 83.98% | 98.67% | $0 | $0 |
| Q1 2025 | 84.59% | 99.08% | $0 | $0 |
| Q2 2025 | 85.93% | 99.18% | $0 | $0 |
| Q3 2025 | 83.05% | 99.17% | $0 | $0 |
| Q4 2025 | 84.17% | 99.17% | $0 | $0 |
| Q1 2026 | 86.58% | 99.13% | $0 | $0 |
| Q2 2026 | 85.70% | 99.01% | $0 | $0 |
St. Johns Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Johns Bank & Trust Company, 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. Johns Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8898) · FFIEC NIC profile (RSSD 173557)