Tompkins State 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 Cash and balances due from depository institutions: 41.6% lower than in Q1 2026, at $9.8M. Within Illinois, Tompkins State Bank is 242nd of 323 on loan-to-deposit ratio, 61.79% as of Q2 2026. Tompkins State Bank reported 61.79% on loan-to-deposit ratio for Q2 2026, 18.76 points below 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 | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.4M |
| 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 | $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 | 61.79% |
| Net loans and leases to deposits | 61.29% |
| Loans and leases to core deposits | 65.12% |
| Core deposits to total deposits | 94.90% |
| 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 | 56.73% | 95.62% | $0 | $9.8M |
| Q4 2023 | 60.70% | 97.00% | $3.0M | $9.8M |
| Q1 2024 | 60.47% | 97.04% | $0 | $9.2M |
| Q2 2024 | 61.62% | 96.97% | $1.6M | $9.2M |
| Q3 2024 | 60.29% | 96.76% | $0 | $6.8M |
| Q4 2024 | 59.93% | 96.25% | $0 | $4.8M |
| Q1 2025 | 57.83% | 96.25% | $0 | $4.8M |
| Q2 2025 | 60.34% | 96.11% | $0 | $3.8M |
| Q3 2025 | 59.17% | 95.59% | $0 | $1.0M |
| Q4 2025 | 62.28% | 94.88% | $0 | $0 |
| Q1 2026 | 60.21% | 95.01% | $0 | $0 |
| Q2 2026 | 61.79% | 94.90% | $0 | $0 |
Tompkins State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tompkins State 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 Tompkins State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10849) · FFIEC NIC profile (RSSD 609832)