1st Community 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: 5.81 percentage points higher than in Q1 2026, at 89.92%. Within Illinois, 1st Community Bank is 129th of 323 on loan-to-deposit ratio, 79.99% as of Q2 2026. 1st Community Bank reported 79.99% on loan-to-deposit ratio for Q2 2026, 12.66 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.6M |
| 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 | 79.99% |
| Net loans and leases to deposits | 79.27% |
| Loans and leases to core deposits | 89.92% |
| Core deposits to total deposits | 88.95% |
| 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 | 77.77% | 94.86% | $0 | $0 |
| Q4 2023 | 70.03% | 95.10% | $0 | $0 |
| Q1 2024 | 71.03% | 92.43% | $0 | $0 |
| Q2 2024 | 75.66% | 92.01% | $0 | $0 |
| Q3 2024 | 78.05% | 91.33% | $0 | $0 |
| Q4 2024 | 75.12% | 92.41% | $0 | $0 |
| Q1 2025 | 77.22% | 90.74% | $0 | $0 |
| Q2 2025 | 79.13% | 89.69% | $0 | $0 |
| Q3 2025 | 80.11% | 88.98% | $0 | $0 |
| Q4 2025 | 78.70% | 89.10% | $0 | $0 |
| Q1 2026 | 75.30% | 89.52% | $0 | $0 |
| Q2 2026 | 79.99% | 88.95% | $0 | $0 |
1st Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Community 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 1st Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11706) · FFIEC NIC profile (RSSD 338945)