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 Loans and leases to core deposits: 9.39 percentage points higher than in Q1 2026, at 85.58%. State Bank ranks 148th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 77.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. State Bank sits 3.05 points lower, at 77.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $73.8M |
| 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 | $5.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.50% |
| Net loans and leases to deposits | 76.65% |
| Loans and leases to core deposits | 85.58% |
| Core deposits to total deposits | 90.56% |
| 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 | 78.77% | 88.79% | $0 | $62.0M |
| Q4 2023 | 77.14% | 88.81% | $0 | $62.7M |
| Q1 2024 | 75.91% | 91.12% | $0 | $53.7M |
| Q2 2024 | 71.23% | 90.36% | $0 | $53.7M |
| Q3 2024 | 72.91% | 90.51% | $0 | $49.7M |
| Q4 2024 | 71.27% | 90.65% | $0 | $34.7M |
| Q1 2025 | 69.06% | 90.46% | $0 | $24.7M |
| Q2 2025 | 71.00% | 89.59% | $0 | $24.7M |
| Q3 2025 | 73.53% | 90.30% | $0 | $20.2M |
| Q4 2025 | 77.11% | 89.01% | $0 | $20.2M |
| Q1 2026 | 68.75% | 90.24% | $0 | $5.2M |
| Q2 2026 | 77.50% | 90.56% | $0 | $5.2M |
State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12706) · FFIEC NIC profile (RSSD 266244)