York 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 Cash and balances due from depository institutions: 26.0% lower than in Q1 2026, at $24.0M. York State Bank ranks 99th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 78.02% (Q2 2026). York State Bank reported 78.02% on loan-to-deposit ratio for Q2 2026, 2.93 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.0M |
| 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 | $400K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.02% |
| Net loans and leases to deposits | 77.09% |
| Loans and leases to core deposits | 83.44% |
| Core deposits to total deposits | 93.50% |
| 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 | 84.29% | 95.53% | $1.8M | $4.5M |
| Q4 2023 | 83.07% | 93.60% | $0 | $400K |
| Q1 2024 | 82.99% | 94.33% | $0 | $400K |
| Q2 2024 | 85.88% | 93.45% | $1.1M | $400K |
| Q3 2024 | 90.35% | 90.44% | $800K | $6.4M |
| Q4 2024 | 83.07% | 93.76% | $0 | $400K |
| Q1 2025 | 79.64% | 93.95% | $0 | $400K |
| Q2 2025 | 81.34% | 94.58% | $0 | $400K |
| Q3 2025 | 89.57% | 93.58% | $0 | $5.6M |
| Q4 2025 | 85.46% | 93.74% | $0 | $400K |
| Q1 2026 | 77.44% | 94.05% | $0 | $400K |
| Q2 2026 | 78.02% | 93.50% | $0 | $400K |
York State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock York 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 York State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16079) · FFIEC NIC profile (RSSD 731050)