Trustbank: 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: 71.7% lower than in Q1 2026, at $15.9M. Among 323 Illinois banks, Trustbank sits 24th from the top on loan-to-deposit ratio, 98.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Trustbank sits 17.56 points higher, at 98.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.1M |
| Fed funds sold and reverse repos | $195K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.12% |
| Net loans and leases to deposits | 97.00% |
| Loans and leases to core deposits | 120.67% |
| Core deposits to total deposits | 81.31% |
| Brokered deposits to total deposits | 1.79% |
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 | 96.90% | 86.13% | $0 | $18.0M |
| Q4 2023 | 95.21% | 86.39% | $0 | $18.0M |
| Q1 2024 | 92.50% | 85.33% | $0 | $18.0M |
| Q2 2024 | 96.15% | 83.57% | $0 | $18.0M |
| Q3 2024 | 95.29% | 82.63% | $0 | $24.5M |
| Q4 2024 | 98.05% | 82.91% | $0 | $18.0M |
| Q1 2025 | 95.52% | 83.07% | $0 | $18.0M |
| Q2 2025 | 100.84% | 81.71% | $0 | $23.0M |
| Q3 2025 | 94.84% | 82.15% | $0 | $23.0M |
| Q4 2025 | 94.14% | 80.08% | $0 | $18.1M |
| Q1 2026 | 92.52% | 80.57% | $146K | $11.6M |
| Q2 2026 | 98.12% | 81.31% | $0 | $11.6M |
Trustbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Trustbank, 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 Trustbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14662) · FFIEC NIC profile (RSSD 338646)