Villa Grove 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.
Fed funds sold and reverse repos dropped 72.5% in Q2 2026, from $8.6M to $2.4M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Villa Grove State Bank is 171st of 323 on loan-to-deposit ratio, 74.50% as of Q2 2026, below the middle of the field. Villa Grove State Bank reported 74.50% on loan-to-deposit ratio for Q2 2026, 6.88 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.8M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 2.74% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $161K |
| 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 | 74.50% |
| Net loans and leases to deposits | 73.33% |
| Loans and leases to core deposits | 74.77% |
| Core deposits to total deposits | 99.64% |
| 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 | 78.91% | 99.52% | $2.1M | $0 |
| Q4 2023 | 78.09% | 99.52% | $262K | $0 |
| Q1 2024 | 75.27% | 99.18% | $263K | $0 |
| Q2 2024 | 77.19% | 99.15% | $690K | $0 |
| Q3 2024 | 76.41% | 99.50% | $220K | $0 |
| Q4 2024 | 76.75% | 99.51% | $203K | $0 |
| Q1 2025 | 74.08% | 99.16% | $203K | $0 |
| Q2 2025 | 79.72% | 99.13% | $1.9M | $0 |
| Q3 2025 | 78.08% | 99.13% | $157K | $0 |
| Q4 2025 | 77.81% | 99.14% | $159K | $0 |
| Q1 2026 | 69.42% | 99.18% | $159K | $0 |
| Q2 2026 | 74.50% | 99.64% | $161K | $0 |
Villa Grove State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Villa Grove 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 Villa Grove State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9273) · FFIEC NIC profile (RSSD 474245)