State Bank of Bement: 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 38.1% in Q2 2026, from $4.1M to $2.5M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank of Bement is 226th of 323 on loan-to-deposit ratio, 65.90% 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 of Bement sits 14.94 points lower, at 65.90% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.5M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 1.36% |
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 | 65.90% |
| Net loans and leases to deposits | 65.15% |
| Loans and leases to core deposits | 76.79% |
| Core deposits to total deposits | 85.82% |
| 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 | 60.46% | 93.92% | $0 | $8.0M |
| Q4 2023 | 68.65% | 93.79% | $471K | $17.5M |
| Q1 2024 | 65.94% | 91.99% | $0 | $8.5M |
| Q2 2024 | 68.82% | 91.84% | $0 | $10.0M |
| Q3 2024 | 70.40% | 91.51% | $0 | $9.0M |
| Q4 2024 | 75.33% | 91.66% | $910K | $15.0M |
| Q1 2025 | 69.33% | 91.49% | $0 | $2.0M |
| Q2 2025 | 69.59% | 89.46% | $0 | $0 |
| Q3 2025 | 71.80% | 85.83% | $0 | $2.0M |
| Q4 2025 | 75.35% | 85.92% | $1.2M | $7.0M |
| Q1 2026 | 66.49% | 85.60% | $0 | $0 |
| Q2 2026 | 65.90% | 85.82% | $0 | $0 |
State Bank of Bement liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bement, 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 of Bement profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10855) · FFIEC NIC profile (RSSD 439730)