FCB Banks: 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 28.9% in Q2 2026, from $86.2M to $111.1M. It was the largest change from Q1 2026 among the key lines here. FCB Banks ranks 58th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 90.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; FCB Banks reported 90.31% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $111.1M |
| Cash and noninterest-bearing balances to assets | 4.19% |
| Cash and securities | $570.0M |
| Fed funds sold and reverse repos | $390K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $132.8M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.31% |
| Net loans and leases to deposits | 89.36% |
| Loans and leases to core deposits | 97.01% |
| Core deposits to total deposits | 93.10% |
| Brokered deposits to total deposits | 0.00% |
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 | 98.73% | 95.35% | $96.2M | $165.8M |
| Q4 2023 | 99.65% | 94.90% | $105.4M | $130.0M |
| Q1 2024 | 99.65% | 94.76% | $94.7M | $130.0M |
| Q2 2024 | 94.11% | 94.65% | $103.4M | $130.0M |
| Q3 2024 | 96.02% | 94.00% | $114.0M | $130.0M |
| Q4 2024 | 95.72% | 93.58% | $129.2M | $130.0M |
| Q1 2025 | 92.83% | 93.07% | $139.4M | $80.0M |
| Q2 2025 | 90.28% | 92.87% | $155.6M | $80.0M |
| Q3 2025 | 86.96% | 93.11% | $159.8M | $0 |
| Q4 2025 | 91.22% | 93.04% | $169.4M | $0 |
| Q1 2026 | 91.37% | 93.17% | $139.0M | $15.0M |
| Q2 2026 | 90.31% | 93.10% | $132.8M | $15.0M |
FCB Banks liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FCB Banks, 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 FCB Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33005) · FFIEC NIC profile (RSSD 1459717)