1st Equity 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 Net loans and leases to deposits: 4.43 percentage points higher than in Q1 2026, at 110.44%. Among 323 Illinois banks, 1st Equity Bank sits 7th from the top on loan-to-deposit ratio, 112.14% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. 1st Equity Bank sits 31.19 points higher, at 112.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.8M |
| 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 | $20.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.14% |
| Net loans and leases to deposits | 110.44% |
| Loans and leases to core deposits | 122.51% |
| Core deposits to total deposits | 91.53% |
| 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 | 96.15% | 95.56% | $0 | $7.1M |
| Q4 2023 | 94.77% | 95.61% | $0 | $7.1M |
| Q1 2024 | 106.73% | 94.56% | $0 | $6.2M |
| Q2 2024 | 108.62% | 94.77% | $0 | $11.5M |
| Q3 2024 | 105.13% | 94.14% | $0 | $9.4M |
| Q4 2024 | 107.94% | 94.20% | $0 | $14.9M |
| Q1 2025 | 98.54% | 94.23% | $0 | $13.5M |
| Q2 2025 | 109.25% | 91.72% | $0 | $16.4M |
| Q3 2025 | 107.31% | 91.56% | $0 | $16.4M |
| Q4 2025 | 114.43% | 90.67% | $0 | $21.2M |
| Q1 2026 | 107.78% | 90.63% | $0 | $21.0M |
| Q2 2026 | 112.14% | 91.53% | $0 | $20.4M |
1st Equity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Equity 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 Equity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34393) · FFIEC NIC profile (RSSD 2531562)