1st National 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 66.0% in Q2 2026, from $6.6M to $2.3M. It was the largest change from Q1 2026 among the key lines here. 1st National Bank ranks 88th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 80.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; 1st National Bank reported 80.04% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.7M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 0.91% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.04% |
| Net loans and leases to deposits | 79.08% |
| Loans and leases to core deposits | 86.48% |
| Core deposits to total deposits | 90.22% |
| Brokered deposits to total deposits | 2.34% |
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 | 87.64% | 75.03% | $0 | $32.0M |
| Q4 2023 | 86.04% | 80.83% | $0 | $14.0M |
| Q1 2024 | 89.88% | 76.55% | $0 | $18.0M |
| Q2 2024 | 89.17% | 80.74% | $0 | $17.0M |
| Q3 2024 | 82.77% | 81.49% | $0 | $10.0M |
| Q4 2024 | 82.62% | 83.34% | $0 | $5.0M |
| Q1 2025 | 86.11% | 86.21% | $0 | $15.8M |
| Q2 2025 | 85.42% | 87.45% | $0 | $15.0M |
| Q3 2025 | 83.14% | 88.81% | $0 | $5.0M |
| Q4 2025 | 79.43% | 89.19% | $0 | $5.0M |
| Q1 2026 | 79.55% | 90.72% | $0 | $5.0M |
| Q2 2026 | 80.04% | 90.22% | $0 | $5.0M |
1st National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6646) · FFIEC NIC profile (RSSD 480723)