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.
Cash and balances due from depository institutions climbed 101.7% in Q2 2026, from $37.8M to $76.3M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, State Bank is 18th of 87 on loan-to-deposit ratio, 92.89% as of Q2 2026. State Bank reported 92.89% on loan-to-deposit ratio for Q2 2026, 12.33 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 | $76.3M |
| Cash and noninterest-bearing balances to assets | 8.25% |
| Cash and securities | $162.4M |
| Fed funds sold and reverse repos | $650K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.89% |
| Net loans and leases to deposits | 91.52% |
| Loans and leases to core deposits | 106.68% |
| Core deposits to total deposits | 87.07% |
| Brokered deposits to total deposits | 5.61% |
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 | 84.67% | 89.19% | $0 | $55.0M |
| Q4 2023 | 84.65% | 86.50% | $0 | $60.0M |
| Q1 2024 | 85.12% | 82.86% | $0 | $30.0M |
| Q2 2024 | 85.05% | 83.24% | $0 | $25.0M |
| Q3 2024 | 85.28% | 84.82% | $0 | $25.0M |
| Q4 2024 | 92.59% | 91.55% | $0 | $45.0M |
| Q1 2025 | 90.00% | 91.70% | $0 | $45.0M |
| Q2 2025 | 90.90% | 90.86% | $0 | $55.0M |
| Q3 2025 | 94.47% | 90.17% | $0 | $75.0M |
| Q4 2025 | 100.06% | 90.54% | $0 | $85.0M |
| Q1 2026 | 98.44% | 92.14% | $0 | $75.0M |
| Q2 2026 | 92.89% | 87.07% | $0 | $45.0M |
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 1833) · FFIEC NIC profile (RSSD 345747)