The State Bank and 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 purchased and repos dropped 28.6% in Q2 2026, from $9.4M to $6.7M. It was the largest change from Q1 2026 among the key lines here. The State Bank and Trust Company ranks 64th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 85.51% (Q2 2026). The State Bank and Trust Company reported 85.51% on loan-to-deposit ratio for Q2 2026, 2.69 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $137.1M |
| Cash and noninterest-bearing balances to assets | 8.50% |
| Cash and securities | $316.1M |
| 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 | $6.7M |
| Other borrowed money | $23.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.51% |
| Net loans and leases to deposits | 84.34% |
| Loans and leases to core deposits | 89.73% |
| Core deposits to total deposits | 95.30% |
| 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 | 90.92% | 95.69% | $16.5M | $60.0M |
| Q4 2023 | 92.33% | 95.29% | $13.4M | $84.1M |
| Q1 2024 | 88.99% | 95.44% | $12.9M | $35.5M |
| Q2 2024 | 90.46% | 95.38% | $15.2M | $35.5M |
| Q3 2024 | 88.94% | 95.59% | $15.2M | $35.5M |
| Q4 2024 | 91.03% | 95.60% | $10.6M | $35.5M |
| Q1 2025 | 85.41% | 95.55% | $11.1M | $35.5M |
| Q2 2025 | 88.37% | 95.84% | $15.6M | $35.5M |
| Q3 2025 | 87.96% | 95.90% | $11.0M | $35.6M |
| Q4 2025 | 89.74% | 95.95% | $9.2M | $35.6M |
| Q1 2026 | 85.95% | 95.87% | $9.4M | $28.0M |
| Q2 2026 | 85.51% | 95.30% | $6.7M | $23.0M |
The State Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank and 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 The State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13339) · FFIEC NIC profile (RSSD 614313)