Union National 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 Loan-to-deposit ratio: 0.87 percentage points lower than in Q1 2026, at 92.50%. Union National Bank ranks 50th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 92.50% (Q2 2026). Union National Bank reported 92.50% on loan-to-deposit ratio for Q2 2026, 11.66 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 | $57.0M |
| Cash and noninterest-bearing balances to assets | 13.53% |
| Cash and securities | $73.5M |
| 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 | $3.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.50% |
| Net loans and leases to deposits | 91.55% |
| Loans and leases to core deposits | 98.22% |
| Core deposits to total deposits | 94.18% |
| 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 | 93.94% | 93.12% | $0 | $0 |
| Q4 2023 | 96.42% | 93.13% | $0 | $0 |
| Q1 2024 | 95.85% | 93.19% | $0 | $0 |
| Q2 2024 | 98.49% | 92.99% | $0 | $0 |
| Q3 2024 | 95.48% | 93.56% | $0 | $0 |
| Q4 2024 | 93.04% | 93.78% | $0 | $0 |
| Q1 2025 | 88.61% | 94.43% | $0 | $0 |
| Q2 2025 | 96.70% | 94.57% | $0 | $2.0M |
| Q3 2025 | 93.76% | 94.76% | $0 | $2.0M |
| Q4 2025 | 96.95% | 94.56% | $0 | $2.1M |
| Q1 2026 | 93.37% | 94.74% | $0 | $3.1M |
| Q2 2026 | 92.50% | 94.18% | $0 | $3.1M |
Union National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union National 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 Union National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3661) · FFIEC NIC profile (RSSD 963730)