State Savings Bank: 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: 2.65 percentage points lower than in Q1 2026, at 86.01%. State Savings Bank ranks 38th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 83.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Savings Bank sits 2.49 points higher, at 83.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.1M |
| Fed funds sold and reverse repos | $810K |
| Fed funds sold and reverse repos to assets | 0.19% |
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 | 83.33% |
| Net loans and leases to deposits | 82.63% |
| Loans and leases to core deposits | 86.01% |
| Core deposits to total deposits | 96.88% |
| 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 | 78.03% | 97.75% | $0 | $0 |
| Q4 2023 | 84.83% | 97.84% | $0 | $0 |
| Q1 2024 | 84.02% | 97.87% | $0 | $0 |
| Q2 2024 | 85.23% | 97.37% | $0 | $0 |
| Q3 2024 | 76.28% | 97.34% | $0 | $0 |
| Q4 2024 | 81.65% | 96.73% | $0 | $0 |
| Q1 2025 | 81.76% | 97.13% | $0 | $0 |
| Q2 2025 | 79.30% | 96.87% | $0 | $0 |
| Q3 2025 | 72.82% | 96.42% | $0 | $0 |
| Q4 2025 | 83.10% | 96.06% | $0 | $0 |
| Q1 2026 | 85.61% | 96.56% | $0 | $0 |
| Q2 2026 | 83.33% | 96.88% | $0 | $0 |
State Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8162) · FFIEC NIC profile (RSSD 22543)