The State Bank of Geneva: 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 Other borrowed money: 100.0% lower than in Q1 2026, at $0. The State Bank of Geneva ranks 140th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The State Bank of Geneva reported 78.64% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.8M |
| 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 | $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 | 78.64% |
| Net loans and leases to deposits | 77.12% |
| Loans and leases to core deposits | 99.43% |
| Core deposits to total deposits | 79.09% |
| 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 | 69.44% | 89.81% | $0 | $3.0M |
| Q4 2023 | 70.22% | 87.30% | $0 | $3.0M |
| Q1 2024 | 70.33% | 86.53% | $0 | $3.0M |
| Q2 2024 | 72.45% | 83.59% | $0 | $3.0M |
| Q3 2024 | 71.33% | 84.97% | $0 | $3.0M |
| Q4 2024 | 73.71% | 83.16% | $0 | $3.0M |
| Q1 2025 | 70.28% | 80.94% | $0 | $3.0M |
| Q2 2025 | 69.92% | 79.37% | $0 | $3.0M |
| Q3 2025 | 72.28% | 79.13% | $0 | $3.0M |
| Q4 2025 | 74.43% | 79.67% | $0 | $3.0M |
| Q1 2026 | 75.69% | 78.93% | $0 | $3.0M |
| Q2 2026 | 78.64% | 79.09% | $0 | $0 |
The State Bank of Geneva liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Geneva, 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 The State Bank of Geneva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 925) · FFIEC NIC profile (RSSD 991135)