State Bank of the Lakes, N.A.: 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.
Cash and balances due from depository institutions climbed 55.6% in Q2 2026, from $64.4M to $100.3M. It was the largest change from Q1 2026 among the key lines here. State Bank of the Lakes, N.A. ranks 75th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 87.74% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; State Bank of the Lakes, N.A. reported 87.74% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $100.3M |
| Cash and noninterest-bearing balances to assets | 3.57% |
| Cash and securities | $580.0M |
| Fed funds sold and reverse repos | $5K |
| 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 | $125.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.46% |
| Trading liabilities | $995K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.74% |
| Net loans and leases to deposits | 87.26% |
| Loans and leases to core deposits | 92.96% |
| Core deposits to total deposits | 79.68% |
| Brokered deposits to total deposits | 14.72% |
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 | 90.35% | 85.04% | $0 | $75.7M |
| Q4 2023 | 91.86% | 84.08% | $2.0M | $75.7M |
| Q1 2024 | 94.18% | 82.79% | $0 | $75.7M |
| Q2 2024 | 91.58% | 81.33% | $0 | $75.7M |
| Q3 2024 | 92.73% | 82.94% | $0 | $75.7M |
| Q4 2024 | 93.61% | 82.43% | $26.0M | $75.7M |
| Q1 2025 | 93.65% | 80.86% | $20.0M | $75.7M |
| Q2 2025 | 92.70% | 82.16% | $0 | $75.6M |
| Q3 2025 | 90.69% | 83.84% | $0 | $75.5M |
| Q4 2025 | 90.10% | 82.07% | $0 | $125.5M |
| Q1 2026 | 88.24% | 80.73% | $0 | $125.3M |
| Q2 2026 | 87.74% | 79.68% | $0 | $125.3M |
State Bank of the Lakes, N.A. 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 the Lakes, N.A., 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 the Lakes, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5744) · FFIEC NIC profile (RSSD 595430)