United Trust 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: 3.79 percentage points lower than in Q1 2026, at 147.10%. Among 323 Illinois banks, United Trust Bank sits 6th from the top on loan-to-deposit ratio, 116.48% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Trust Bank sits 35.64 points higher, at 116.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.7M |
| 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 | $31.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 116.48% |
| Net loans and leases to deposits | 115.67% |
| Loans and leases to core deposits | 147.10% |
| Core deposits to total deposits | 75.21% |
| Brokered deposits to total deposits | 11.52% |
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 | 124.34% | 70.42% | $0 | $37.9M |
| Q4 2023 | 129.86% | 70.69% | $0 | $39.8M |
| Q1 2024 | 126.19% | 68.98% | $0 | $38.2M |
| Q2 2024 | 122.24% | 71.10% | $0 | $34.8M |
| Q3 2024 | 129.12% | 72.94% | $0 | $41.4M |
| Q4 2024 | 122.47% | 74.54% | $0 | $36.0M |
| Q1 2025 | 122.20% | 73.75% | $0 | $32.0M |
| Q2 2025 | 124.04% | 72.29% | $0 | $40.4M |
| Q3 2025 | 124.64% | 72.64% | $0 | $35.2M |
| Q4 2025 | 116.80% | 74.37% | $0 | $31.0M |
| Q1 2026 | 118.74% | 75.42% | $0 | $31.0M |
| Q2 2026 | 116.48% | 75.21% | $0 | $31.0M |
United Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Trust 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 United Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35393) · FFIEC NIC profile (RSSD 2949970)