Sterling Federal Bank, Federal 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.
Net loans and leases to deposits dropped 2.18 percentage points in Q2 2026, from 83.47% to 81.29%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Sterling Federal Bank, Federal Savings Bank is 103rd of 323 on loan-to-deposit ratio, 83.79% 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. Sterling Federal Bank, Federal Savings Bank sits 2.95 points higher, at 83.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $102.9M |
| 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 | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.79% |
| Net loans and leases to deposits | 81.29% |
| Loans and leases to core deposits | 91.36% |
| Core deposits to total deposits | 91.72% |
| Brokered deposits to total deposits | 1.35% |
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 | 79.99% | 92.27% | $0 | $59.8M |
| Q4 2023 | 83.34% | 92.19% | $0 | $74.0M |
| Q1 2024 | 86.78% | 91.53% | $0 | $78.9M |
| Q2 2024 | 91.64% | 93.36% | $0 | $95.2M |
| Q3 2024 | 91.42% | 88.38% | $0 | $101.0M |
| Q4 2024 | 90.27% | 90.55% | $0 | $90.1M |
| Q1 2025 | 87.18% | 91.69% | $0 | $79.9M |
| Q2 2025 | 88.67% | 91.59% | $0 | $73.8M |
| Q3 2025 | 90.08% | 92.30% | $0 | $73.8M |
| Q4 2025 | 88.47% | 92.05% | $0 | $65.6M |
| Q1 2026 | 85.07% | 91.49% | $0 | $45.6M |
| Q2 2026 | 83.79% | 91.72% | $0 | $40.0M |
Sterling Federal Bank, Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Federal Bank, Federal 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 Sterling Federal Bank, Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27664) · FFIEC NIC profile (RSSD 867070)