1NB 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 climbed 97.0% in Q2 2026, from $1.1M to $2.1M. It was the largest change from Q1 2026 among the key lines here. 1NB Bank ranks 109th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 82.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; 1NB Bank reported 82.40% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.1M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 0.66% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $26.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.40% |
| Net loans and leases to deposits | 81.57% |
| Loans and leases to core deposits | 97.31% |
| Core deposits to total deposits | 84.68% |
| 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 | 59.83% | 89.78% | $0 | $15.4M |
| Q4 2023 | 67.58% | 90.41% | $0 | $30.9M |
| Q1 2024 | 65.38% | 88.20% | $0 | $26.3M |
| Q2 2024 | 63.84% | 85.44% | $0 | $15.3M |
| Q3 2024 | 62.92% | 83.94% | $0 | $19.5M |
| Q4 2024 | 68.05% | 83.07% | $0 | $24.2M |
| Q1 2025 | 65.81% | 84.16% | $0 | $14.4M |
| Q2 2025 | 70.41% | 86.62% | $0 | $16.4M |
| Q3 2025 | 72.17% | 85.08% | $0 | $18.3M |
| Q4 2025 | 75.92% | 84.80% | $0 | $19.2M |
| Q1 2026 | 78.59% | 84.53% | $0 | $19.2M |
| Q2 2026 | 82.40% | 84.68% | $0 | $26.7M |
1NB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1NB 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 1NB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14761) · FFIEC NIC profile (RSSD 614948)