State Bank of Industry: 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.
Loans and leases to core deposits dropped 1.92 percentage points in Q3 2026, from 83.43% to 81.51%. It was the largest change from Q2 2026 among the key lines here. Within Illinois, State Bank of Industry is 214th of 323 on loan-to-deposit ratio, 68.23% as of Q3 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 Industry reported 68.23% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 68.23% |
| Net loans and leases to deposits | 67.37% |
| Loans and leases to core deposits | 81.51% |
| Core deposits to total deposits | 83.70% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 68.98% | 81.58% | $0 | $0 |
| Q1 2024 | 68.47% | 82.06% | $0 | $0 |
| Q2 2024 | 71.44% | 83.46% | $0 | $0 |
| Q3 2024 | 74.08% | 81.68% | $0 | $0 |
| Q4 2024 | 69.33% | 81.72% | $0 | $0 |
| Q1 2025 | 62.00% | 81.53% | $0 | $0 |
| Q2 2025 | 64.39% | 81.29% | $0 | $0 |
| Q3 2025 | 68.86% | 81.24% | $0 | $0 |
| Q4 2025 | 74.66% | 83.35% | $0 | $0 |
| Q1 2026 | 66.58% | 83.21% | $0 | $0 |
| Q2 2026 | 68.88% | 82.56% | $0 | $0 |
| Q3 2026 | 68.23% | 83.70% | $0 | $0 |
State Bank of Industry 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 Industry, 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 Industry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10820) · FFIEC NIC profile (RSSD 944935)