State Bank of Chandler: 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 Fed funds sold and reverse repos: 59.0% lower than in Q1 2026, at $942K. Within Minnesota, State Bank of Chandler is 119th of 221 on loan-to-deposit ratio, 78.93% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. State Bank of Chandler sits 11.31 points higher, at 78.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.2M |
| Fed funds sold and reverse repos | $942K |
| Fed funds sold and reverse repos to assets | 1.37% |
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 | 78.93% |
| Net loans and leases to deposits | 77.70% |
| Loans and leases to core deposits | 82.51% |
| Core deposits to total deposits | 95.67% |
| 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 | 87.68% | 94.15% | $759K | $5.8M |
| Q4 2023 | 78.86% | 93.32% | $0 | $3.2M |
| Q1 2024 | 76.39% | 90.64% | $0 | $1.5M |
| Q2 2024 | 83.79% | 93.12% | $0 | $2.8M |
| Q3 2024 | 79.83% | 93.76% | $0 | $2.8M |
| Q4 2024 | 79.82% | 92.86% | $243K | $1.0M |
| Q1 2025 | 74.69% | 93.17% | $0 | $0 |
| Q2 2025 | 76.89% | 93.03% | $0 | $0 |
| Q3 2025 | 76.59% | 94.25% | $0 | $0 |
| Q4 2025 | 80.84% | 96.03% | $0 | $1.5M |
| Q1 2026 | 76.93% | 95.68% | $0 | $0 |
| Q2 2026 | 78.93% | 95.67% | $0 | $0 |
State Bank of Chandler 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 Chandler, 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 Chandler profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8858) · FFIEC NIC profile (RSSD 112556)