State Bank of Graymont: 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: 75.5% lower than in Q1 2026, at $4.5M. State Bank of Graymont ranks 185th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.66% (Q2 2026). State Bank of Graymont reported 72.66% on loan-to-deposit ratio for Q2 2026, 8.18 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.2M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 1.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.66% |
| Net loans and leases to deposits | 71.78% |
| Loans and leases to core deposits | 84.83% |
| Core deposits to total deposits | 85.65% |
| 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 | 66.51% | 92.12% | $0 | $17.2M |
| Q4 2023 | 68.86% | 91.76% | $1.6M | $17.2M |
| Q1 2024 | 69.42% | 90.91% | $0 | $27.2M |
| Q2 2024 | 74.24% | 90.08% | $1.3M | $28.4M |
| Q3 2024 | 77.32% | 86.74% | $7.3M | $23.4M |
| Q4 2024 | 68.24% | 85.59% | $0 | $2.4M |
| Q1 2025 | 63.79% | 86.29% | $0 | $2.4M |
| Q2 2025 | 66.66% | 85.79% | $0 | $2.4M |
| Q3 2025 | 71.61% | 86.52% | $0 | $2.4M |
| Q4 2025 | 66.57% | 87.61% | $0 | $2.4M |
| Q1 2026 | 66.88% | 86.48% | $0 | $2.4M |
| Q2 2026 | 72.66% | 85.65% | $0 | $2.4M |
State Bank of Graymont 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 Graymont, 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 Graymont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10434) · FFIEC NIC profile (RSSD 937339)