Town and Country Bank Midwest: 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 Loans and leases to core deposits: 6.27 percentage points higher than in Q1 2026, at 98.51%. Within Illinois, Town and Country Bank Midwest is 78th of 323 on loan-to-deposit ratio, 87.63% as of Q2 2026, above the middle of the field. Town and Country Bank Midwest reported 87.63% on loan-to-deposit ratio for Q2 2026, 6.80 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.3M |
| 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 | 87.63% |
| Net loans and leases to deposits | 86.47% |
| Loans and leases to core deposits | 98.51% |
| Core deposits to total deposits | 88.96% |
| 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 | 80.68% | 96.54% | $0 | $0 |
| Q4 2023 | 78.73% | 95.13% | $0 | $0 |
| Q1 2024 | 78.53% | 94.12% | $0 | $0 |
| Q2 2024 | 84.74% | 92.57% | $0 | $0 |
| Q3 2024 | 89.65% | 90.81% | $0 | $1.5M |
| Q4 2024 | 82.75% | 91.47% | $0 | $0 |
| Q1 2025 | 85.83% | 91.34% | $0 | $0 |
| Q2 2025 | 92.72% | 88.08% | $0 | $2.0M |
| Q3 2025 | 94.26% | 87.76% | $0 | $3.0M |
| Q4 2025 | 81.88% | 89.16% | $0 | $0 |
| Q1 2026 | 82.32% | 89.25% | $0 | $0 |
| Q2 2026 | 87.63% | 88.96% | $0 | $0 |
Town and Country Bank Midwest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Town and Country Bank Midwest, 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 Town and Country Bank Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10460) · FFIEC NIC profile (RSSD 349343)