The State Bank of Pearl City: 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 Loans and leases to core deposits: 3.92 percentage points lower than in Q1 2026, at 52.28%. Within Illinois, The State Bank of Pearl City is 285th of 323 on loan-to-deposit ratio, 49.56% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The State Bank of Pearl City sits 18.06 points lower, at 49.56% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.2M |
| 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 | 49.56% |
| Net loans and leases to deposits | 48.38% |
| Loans and leases to core deposits | 52.28% |
| Core deposits to total deposits | 94.79% |
| 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 | 49.61% | 86.89% | $0 | $0 |
| Q4 2023 | 51.55% | 86.07% | $0 | $0 |
| Q1 2024 | 49.20% | 77.53% | $0 | $0 |
| Q2 2024 | 44.11% | 79.12% | $0 | $0 |
| Q3 2024 | 48.90% | 81.70% | $0 | $0 |
| Q4 2024 | 49.53% | 81.00% | $0 | $0 |
| Q1 2025 | 52.66% | 96.38% | $0 | $0 |
| Q2 2025 | 49.26% | 96.49% | $0 | $0 |
| Q3 2025 | 47.60% | 95.51% | $0 | $0 |
| Q4 2025 | 51.81% | 94.96% | $0 | $0 |
| Q1 2026 | 53.06% | 94.40% | $0 | $0 |
| Q2 2026 | 49.56% | 94.79% | $0 | $0 |
The State Bank of Pearl City 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 Pearl City, 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 Pearl City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16344) · FFIEC NIC profile (RSSD 923949)