Town Center 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 Loans and leases to core deposits: 2.10 percentage points higher than in Q1 2026, at 122.58%. Among 323 Illinois banks, Town Center Bank sits 13th from the top on loan-to-deposit ratio, 102.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Town Center Bank sits 21.96 points higher, at 102.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.9M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 2.66% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.79% |
| Net loans and leases to deposits | 101.70% |
| Loans and leases to core deposits | 122.58% |
| Core deposits to total deposits | 83.86% |
| 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 | 109.38% | 90.97% | $0 | $20.0M |
| Q4 2023 | 99.30% | 87.46% | $0 | $20.0M |
| Q1 2024 | 108.04% | 85.24% | $0 | $20.0M |
| Q2 2024 | 103.86% | 85.98% | $0 | $20.0M |
| Q3 2024 | 94.69% | 85.18% | $0 | $20.0M |
| Q4 2024 | 94.54% | 86.07% | $0 | $20.0M |
| Q1 2025 | 89.57% | 85.84% | $0 | $20.0M |
| Q2 2025 | 103.48% | 84.62% | $0 | $20.0M |
| Q3 2025 | 105.31% | 84.91% | $0 | $26.0M |
| Q4 2025 | 98.45% | 83.77% | $0 | $23.0M |
| Q1 2026 | 101.59% | 84.32% | $0 | $20.0M |
| Q2 2026 | 102.79% | 83.86% | $0 | $20.0M |
Town Center Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Center 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 Town Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58214) · FFIEC NIC profile (RSSD 3459216)