Sturgis Bank & Trust Company: 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 Other borrowed money: 146.7% higher than in Q1 2026, at $38.7M. Sturgis Bank & Trust Company ranks 34th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 86.09% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Sturgis Bank & Trust Company reported 86.09% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $65.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $195.6M |
| 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 | $38.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.09% |
| Net loans and leases to deposits | 85.15% |
| Loans and leases to core deposits | 100.02% |
| Core deposits to total deposits | 84.84% |
| Brokered deposits to total deposits | 1.24% |
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 | 92.21% | 73.69% | $0 | $10.0M |
| Q4 2023 | 94.07% | 71.76% | $0 | $40.0M |
| Q1 2024 | 93.70% | 73.50% | $0 | $41.0M |
| Q2 2024 | 95.51% | 72.69% | $0 | $65.0M |
| Q3 2024 | 94.63% | 76.08% | $0 | $57.0M |
| Q4 2024 | 96.00% | 74.33% | $0 | $61.1M |
| Q1 2025 | 92.06% | 80.70% | $0 | $34.7M |
| Q2 2025 | 89.60% | 80.84% | $0 | $15.7M |
| Q3 2025 | 88.98% | 85.85% | $0 | $15.7M |
| Q4 2025 | 88.87% | 85.20% | $0 | $15.7M |
| Q1 2026 | 87.93% | 85.75% | $0 | $15.7M |
| Q2 2026 | 86.09% | 84.84% | $0 | $38.7M |
Sturgis Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturgis Bank & Trust Company, 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 Sturgis Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28593) · FFIEC NIC profile (RSSD 366078)