BankFirst: 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 Core deposits to total deposits: 9.11 percentage points lower than in Q1 2026, at 72.53%. BankFirst ranks 48th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 90.73% (Q2 2026). At 90.73%, BankFirst's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $426.6M |
| 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 | $201.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.73% |
| Net loans and leases to deposits | 89.35% |
| Loans and leases to core deposits | 104.05% |
| Core deposits to total deposits | 72.53% |
| Brokered deposits to total deposits | 14.66% |
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 | 101.34% | 91.28% | $0 | $290.3M |
| Q4 2023 | 104.86% | 91.31% | $0 | $283.4M |
| Q1 2024 | 100.20% | 91.51% | $0 | $243.3M |
| Q2 2024 | 104.39% | 88.12% | $0 | $260.4M |
| Q3 2024 | 99.73% | 82.32% | $0 | $247.9M |
| Q4 2024 | 102.23% | 80.10% | $0 | $226.4M |
| Q1 2025 | 98.61% | 80.24% | $0 | $185.2M |
| Q2 2025 | 99.38% | 82.13% | $0 | $244.1M |
| Q3 2025 | 96.20% | 81.98% | $0 | $257.5M |
| Q4 2025 | 99.90% | 80.95% | $0 | $268.7M |
| Q1 2026 | 97.13% | 81.64% | $0 | $255.6M |
| Q2 2026 | 90.73% | 72.53% | $0 | $201.7M |
BankFirst liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BankFirst, 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 BankFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20130) · FFIEC NIC profile (RSSD 117458)