Stillman Banccorp, 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 413.8% higher than in Q1 2026, at $5.9M. Within Illinois, Stillman Banccorp, N.A. is 269th of 323 on loan-to-deposit ratio, 53.10% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Stillman Banccorp, N.A. sits 27.45 points lower, at 53.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $331.5M |
| Fed funds sold and reverse repos | $5.9M |
| Fed funds sold and reverse repos to assets | 0.91% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $10.1M |
| Other borrowed money | $10.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.10% |
| Net loans and leases to deposits | 52.60% |
| Loans and leases to core deposits | 60.05% |
| Core deposits to total deposits | 88.43% |
| 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 | 39.31% | 88.71% | $20.8M | $17.0M |
| Q4 2023 | 39.04% | 88.00% | $9.6M | $6.0M |
| Q1 2024 | 38.45% | 88.27% | $7.1M | $4.0M |
| Q2 2024 | 40.20% | 86.81% | $18.3M | $2.8M |
| Q3 2024 | 43.69% | 86.76% | $21.0M | $5.0M |
| Q4 2024 | 43.62% | 87.19% | $7.7M | $7.8M |
| Q1 2025 | 42.99% | 85.84% | $3.4M | $9.4M |
| Q2 2025 | 46.96% | 89.15% | $8.7M | $10.9M |
| Q3 2025 | 49.21% | 88.89% | $11.0M | $10.9M |
| Q4 2025 | 51.78% | 89.52% | $5.6M | $10.6M |
| Q1 2026 | 49.37% | 89.56% | $3.5M | $10.6M |
| Q2 2026 | 53.10% | 88.43% | $10.1M | $10.6M |
Stillman Banccorp, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stillman Banccorp, 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 Stillman Banccorp, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9263) · FFIEC NIC profile (RSSD 407645)