State Bank of Whittington: 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: 44.5% higher than in Q1 2026, at $5.8M. Within Illinois, State Bank of Whittington is 156th of 323 on loan-to-deposit ratio, 76.24% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank of Whittington sits 4.59 points lower, at 76.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.4M |
| Fed funds sold and reverse repos | $5.8M |
| Fed funds sold and reverse repos to assets | 3.21% |
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 | 76.24% |
| Net loans and leases to deposits | 75.34% |
| Loans and leases to core deposits | 79.28% |
| Core deposits to total deposits | 96.17% |
| 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 | 63.51% | 94.36% | $0 | $4.0M |
| Q4 2023 | 64.03% | 95.00% | $0 | $0 |
| Q1 2024 | 65.36% | 94.95% | $0 | $2.5M |
| Q2 2024 | 69.39% | 94.63% | $0 | $3.5M |
| Q3 2024 | 71.75% | 95.17% | $0 | $5.5M |
| Q4 2024 | 72.11% | 94.70% | $0 | $4.0M |
| Q1 2025 | 74.26% | 95.60% | $0 | $4.0M |
| Q2 2025 | 72.25% | 96.27% | $0 | $0 |
| Q3 2025 | 72.49% | 97.29% | $0 | $0 |
| Q4 2025 | 75.68% | 97.26% | $0 | $0 |
| Q1 2026 | 75.15% | 96.35% | $0 | $0 |
| Q2 2026 | 76.24% | 96.17% | $0 | $0 |
State Bank of Whittington 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 Whittington, 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 Whittington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19689) · FFIEC NIC profile (RSSD 270148)