State Bank of Downs: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q2 2026 filing, State Bank of Downs reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $55.9M in Q2 2026, up 41.7% from $39.4M in Q2 2025. That is 37.8% of its total assets. Across the 12 quarters shown it ranged from $20.0M (Q3 2023) to $61.5M (Q1 2026).
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.64 percentage points higher than in Q1 2026, at 68.33%. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. State Bank of Downs sits 16.35 points lower, at 64.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.6M |
| Fed funds sold and reverse repos | $52.1M |
| Fed funds sold and reverse repos to assets | 35.21% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q2 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.68% |
| Trading liabilities | $0 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q2 2026 on the FFIEC CDR.
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.20% |
| Net loans and leases to deposits | 63.26% |
| Loans and leases to core deposits | 68.33% |
| Core deposits to total deposits | 93.96% |
| Brokered deposits to total deposits | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q2 2026 on the FFIEC CDR.
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 | 92.20% | 96.41% | $0 | $1.5M |
| Q4 2023 | 90.30% | 97.09% | $0 | $1.5M |
| Q1 2024 | 81.33% | 95.13% | $0 | $1.5M |
| Q2 2024 | 82.67% | 94.25% | $0 | $1.5M |
| Q3 2024 | 82.23% | 93.04% | $0 | $1.5M |
| Q4 2024 | 76.17% | 92.50% | $0 | $1.5M |
| Q1 2025 | 71.84% | 93.84% | $0 | $1.5M |
| Q2 2025 | 75.40% | 93.55% | $0 | $1.0M |
| Q3 2025 | 75.84% | 92.79% | $0 | $1.0M |
| Q4 2025 | 71.46% | 95.37% | $0 | $1.0M |
| Q1 2026 | 61.30% | 96.25% | $0 | $1.0M |
| Q2 2026 | 64.20% | 93.96% | $0 | $1.0M |
State Bank of Downs liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q2 2026. How these pages are built. See the full State Bank of Downs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9659) · FFIEC NIC profile (RSSD 792453)