FCN 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 53.6% lower than in Q1 2026, at $9.9M. FCN Bank, N.A. ranks 58th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 78.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. FCN Bank, N.A. sits 2.56 points lower, at 78.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | 1.22% |
| Cash and securities | $217.9M |
| 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 | $34.6M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.39% |
| Net loans and leases to deposits | 77.49% |
| Loans and leases to core deposits | 90.12% |
| Core deposits to total deposits | 86.98% |
| 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 | 71.09% | 91.22% | $34.4M | $25.0M |
| Q4 2023 | 67.85% | 86.10% | $26.8M | $0 |
| Q1 2024 | 67.75% | 85.88% | $22.9M | $0 |
| Q2 2024 | 68.53% | 85.17% | $25.3M | $0 |
| Q3 2024 | 65.17% | 85.75% | $28.1M | $0 |
| Q4 2024 | 69.16% | 89.49% | $31.2M | $0 |
| Q1 2025 | 69.78% | 89.48% | $19.9M | $0 |
| Q2 2025 | 71.74% | 90.05% | $24.8M | $0 |
| Q3 2025 | 73.85% | 89.55% | $34.2M | $0 |
| Q4 2025 | 74.88% | 88.99% | $40.1M | $0 |
| Q1 2026 | 75.61% | 88.04% | $34.0M | $0 |
| Q2 2026 | 78.39% | 86.98% | $34.6M | $0 |
FCN 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 FCN 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 FCN Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4319) · FFIEC NIC profile (RSSD 321947)