City First Bank, N.A.: 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.
Cash and balances due from depository institutions climbed 83.8% in Q2 2026, from $26.6M to $48.9M. It was the largest change from Q1 2026 among the key lines here. City First Bank, N.A. reported 96.16% on loan-to-deposit ratio for Q2 2026, 7.96 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 | $48.9M |
| Cash and noninterest-bearing balances to assets | 3.07% |
| Cash and securities | $375.9M |
| Fed funds sold and reverse repos | $883K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $81.9M |
| Other borrowed money | $94.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.16% |
| Net loans and leases to deposits | 95.25% |
| Loans and leases to core deposits | 100.42% |
| Core deposits to total deposits | 79.99% |
| Brokered deposits to total deposits | 15.77% |
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 | 111.94% | 90.42% | $75.8M | $201.7M |
| Q4 2023 | 116.80% | 91.01% | $73.5M | $323.3M |
| Q1 2024 | 120.68% | 91.42% | $71.7M | $309.3M |
| Q2 2024 | 123.68% | 88.98% | $72.7M | $309.2M |
| Q3 2024 | 130.21% | 87.04% | $89.8M | $308.6M |
| Q4 2024 | 123.18% | 79.66% | $66.6M | $226.9M |
| Q1 2025 | 118.04% | 74.19% | $80.8M | $109.3M |
| Q2 2025 | 113.43% | 72.29% | $63.8M | $90.3M |
| Q3 2025 | 111.32% | 73.61% | $76.1M | $137.7M |
| Q4 2025 | 103.87% | 74.41% | $80.8M | $72.0M |
| Q1 2026 | 93.56% | 81.70% | $81.2M | $0 |
| Q2 2026 | 96.16% | 79.99% | $81.9M | $94.0M |
City First Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock City First Bank, N.A., 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 City First Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34352) · FFIEC NIC profile (RSSD 2697963)