State Bank of Cherry: 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 dropped 52.8% in Q2 2026, from $10.1M to $4.8M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank of Cherry is 70th of 323 on loan-to-deposit ratio, 88.30% as of Q2 2026, above 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 Cherry sits 7.47 points higher, at 88.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.4M |
| 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 | $0 |
| Other borrowed money | $15.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.30% |
| Net loans and leases to deposits | 87.11% |
| Loans and leases to core deposits | 103.05% |
| Core deposits to total deposits | 85.69% |
| Brokered deposits to total deposits | 0.95% |
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 | 85.52% | 85.08% | $0 | $865K |
| Q4 2023 | 97.73% | 85.08% | $0 | $7.9M |
| Q1 2024 | 94.51% | 85.05% | $0 | $2.9M |
| Q2 2024 | 94.17% | 85.43% | $0 | $2.9M |
| Q3 2024 | 94.96% | 84.68% | $0 | $6.9M |
| Q4 2024 | 99.13% | 85.49% | $0 | $11.9M |
| Q1 2025 | 95.27% | 86.93% | $0 | $8.9M |
| Q2 2025 | 94.02% | 88.44% | $0 | $12.9M |
| Q3 2025 | 91.85% | 84.98% | $0 | $13.9M |
| Q4 2025 | 92.91% | 84.11% | $0 | $13.9M |
| Q1 2026 | 85.88% | 84.83% | $0 | $12.9M |
| Q2 2026 | 88.30% | 85.69% | $0 | $15.9M |
State Bank of Cherry 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 Cherry, 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 Cherry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11686) · FFIEC NIC profile (RSSD 258539)