Vermont State 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: 4.70 percentage points higher than in Q1 2026, at 74.09%. Vermont State Bank ranks 217th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 67.41% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; Vermont State Bank reported 67.41% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.9M |
| 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 | 67.41% |
| Net loans and leases to deposits | 64.25% |
| Loans and leases to core deposits | 74.09% |
| Core deposits to total deposits | 90.27% |
| Brokered deposits to total deposits | 0.71% |
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 | 86.24% | 94.72% | $0 | $1.5M |
| Q4 2023 | 84.72% | 94.72% | $0 | $1.5M |
| Q1 2024 | 84.54% | 94.70% | $0 | $500K |
| Q2 2024 | 78.19% | 94.87% | $0 | $500K |
| Q3 2024 | 72.32% | 95.26% | $0 | $500K |
| Q4 2024 | 77.38% | 96.27% | $0 | $500K |
| Q1 2025 | 70.99% | 96.50% | $0 | $500K |
| Q2 2025 | 74.23% | 94.82% | $0 | $500K |
| Q3 2025 | 75.40% | 94.71% | $0 | $0 |
| Q4 2025 | 61.26% | 91.03% | $0 | $0 |
| Q1 2026 | 63.42% | 90.70% | $0 | $0 |
| Q2 2026 | 67.41% | 90.27% | $0 | $0 |
Vermont State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermont State 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 Vermont State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16585) · FFIEC NIC profile (RSSD 187648)