Time 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.
Loans and leases to core deposits climbed 9.74 percentage points in Q2 2026, from 80.46% to 90.21%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Time Bank is 91st of 323 on loan-to-deposit ratio, 85.59% as of Q2 2026. Time Bank reported 85.59% on loan-to-deposit ratio for Q2 2026, 5.04 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $81.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $165.8M |
| 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 | $2.7M |
| 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 | 85.59% |
| Net loans and leases to deposits | 84.06% |
| Loans and leases to core deposits | 90.21% |
| Core deposits to total deposits | 92.74% |
| Brokered deposits to total deposits | 2.14% |
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 | 96.93% | 88.72% | $4.2M | $21.0M |
| Q4 2023 | 105.85% | 88.58% | $3.3M | $48.1M |
| Q1 2024 | 101.40% | 86.71% | $4.1M | $27.0M |
| Q2 2024 | 94.83% | 86.36% | $4.7M | $5.0M |
| Q3 2024 | 93.37% | 86.92% | $7.6M | $5.0M |
| Q4 2024 | 74.59% | 89.26% | $4.3M | $9.0M |
| Q1 2025 | 77.83% | 91.42% | $4.0M | $7.0M |
| Q2 2025 | 77.00% | 90.95% | $2.9M | $5.0M |
| Q3 2025 | 80.16% | 91.65% | $3.6M | $5.0M |
| Q4 2025 | 83.14% | 94.64% | $2.5M | $5.0M |
| Q1 2026 | 76.00% | 94.15% | $2.4M | $0 |
| Q2 2026 | 85.59% | 92.74% | $2.7M | $0 |
Time Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Time 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 Time Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34038) · FFIEC NIC profile (RSSD 2316714)