State Bank Financial: 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 noninterest-bearing balances to assets: 8.70 percentage points lower than in Q1 2026, at 3.35%. Within Wisconsin, State Bank Financial is 111th of 153 on loan-to-deposit ratio, 79.18% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; State Bank Financial reported 79.18% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.1M |
| Cash and noninterest-bearing balances to assets | 3.35% |
| Cash and securities | $137.9M |
| 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 | $3.9M |
| Other borrowed money | $9.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.18% |
| Net loans and leases to deposits | 78.49% |
| Loans and leases to core deposits | 80.58% |
| Core deposits to total deposits | 98.25% |
| Brokered deposits to total deposits | 0.19% |
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 | 72.23% | 98.96% | $2.6M | $20.0M |
| Q4 2023 | 71.77% | 98.75% | $26.0M | $20.0M |
| Q1 2024 | 71.30% | 98.25% | $6.4M | $20.0M |
| Q2 2024 | 75.35% | 98.06% | $2.8M | $23.0M |
| Q3 2024 | 68.94% | 97.85% | $3.7M | $20.0M |
| Q4 2024 | 77.78% | 97.33% | $32.8M | $20.0M |
| Q1 2025 | 71.50% | 97.52% | $9.1M | $20.0M |
| Q2 2025 | 70.84% | 97.67% | $3.1M | $20.0M |
| Q3 2025 | 73.99% | 97.94% | $1.8M | $20.0M |
| Q4 2025 | 80.84% | 97.73% | $15.8M | $40.0M |
| Q1 2026 | 72.87% | 98.19% | $7.8M | $20.0M |
| Q2 2026 | 79.18% | 98.25% | $3.9M | $9.8M |
State Bank Financial liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Financial, 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 Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10383) · FFIEC NIC profile (RSSD 2631172)