1st Source 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 Fed funds purchased and repos: 27.5% lower than in Q1 2026, at $209.4M. 1st Source Bank ranks 15th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 97.20% (Q2 2026). 1st Source Bank reported 97.20% on loan-to-deposit ratio for Q2 2026, 9.00 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $128.3M |
| Cash and noninterest-bearing balances to assets | 1.39% |
| Cash and securities | $1.66B |
| 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 | $209.4M |
| Other borrowed money | $136.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.47% |
| Trading liabilities | $11.9M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.20% |
| Net loans and leases to deposits | 94.97% |
| Loans and leases to core deposits | 103.50% |
| Core deposits to total deposits | 89.92% |
| Brokered deposits to total deposits | 4.00% |
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 | 91.23% | 86.98% | $152.6M | $242.3M |
| Q4 2023 | 92.62% | 86.78% | $161.7M | $277.3M |
| Q1 2024 | 93.05% | 86.40% | $195.0M | $177.7M |
| Q2 2024 | 92.49% | 86.74% | $188.1M | $228.2M |
| Q3 2024 | 92.89% | 86.64% | $184.9M | $112.1M |
| Q4 2024 | 94.84% | 87.64% | $199.2M | $186.9M |
| Q1 2025 | 92.55% | 86.49% | $195.9M | $11.2M |
| Q2 2025 | 95.42% | 86.82% | $197.3M | $61.8M |
| Q3 2025 | 94.08% | 87.36% | $210.5M | $11.4M |
| Q4 2025 | 97.58% | 90.87% | $257.2M | $136.4M |
| Q1 2026 | 98.04% | 90.31% | $289.0M | $136.0M |
| Q2 2026 | 97.20% | 89.92% | $209.4M | $136.2M |
1st Source Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Source 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 Source Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9087) · FFIEC NIC profile (RSSD 991340)