The Fairfield 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 52.4% lower than in Q1 2026, at $10.6M. The Fairfield National Bank ranks 209th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 69.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Fairfield National Bank sits 11.16 points lower, at 69.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | 1.71% |
| Cash and securities | $288.1M |
| Fed funds sold and reverse repos | $2K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $431K |
| Other borrowed money | $137.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 22.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.68% |
| Net loans and leases to deposits | 68.87% |
| Loans and leases to core deposits | 78.16% |
| Core deposits to total deposits | 85.49% |
| Brokered deposits to total deposits | 3.66% |
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 | 95.32% | 81.60% | $3.3M | $159.0M |
| Q4 2023 | 93.76% | 80.21% | $1.5M | $145.0M |
| Q1 2024 | 92.24% | 79.30% | $1.6M | $138.0M |
| Q2 2024 | 95.08% | 79.04% | $837K | $150.0M |
| Q3 2024 | 92.53% | 79.80% | $548K | $139.0M |
| Q4 2024 | 82.23% | 80.29% | $1.5M | $130.0M |
| Q1 2025 | 75.59% | 81.28% | $1.0M | $130.0M |
| Q2 2025 | 75.44% | 82.38% | $1.1M | $130.0M |
| Q3 2025 | 75.35% | 85.40% | $1.0M | $130.0M |
| Q4 2025 | 71.31% | 85.11% | $434K | $130.0M |
| Q1 2026 | 66.21% | 84.93% | $416K | $130.0M |
| Q2 2026 | 69.68% | 85.49% | $431K | $137.5M |
The Fairfield National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fairfield 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 The Fairfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3792) · FFIEC NIC profile (RSSD 640246)