First American 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: 43.9% higher than in Q1 2026, at $157.0M. First American Bank ranks 244th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 60.96% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First American Bank sits 27.24 points lower, at 60.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $157.0M |
| Cash and noninterest-bearing balances to assets | 1.82% |
| Cash and securities | $4.90B |
| 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 | $2.20B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 25.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.96% |
| Net loans and leases to deposits | 60.13% |
| Loans and leases to core deposits | 64.49% |
| Core deposits to total deposits | 94.53% |
| 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 | 57.19% | 93.84% | $0 | $1.30B |
| Q4 2023 | 56.67% | 94.12% | $0 | $1.19B |
| Q1 2024 | 58.55% | 94.77% | $0 | $1.75B |
| Q2 2024 | 60.19% | 94.53% | $0 | $1.58B |
| Q3 2024 | 58.92% | 94.25% | $0 | $1.63B |
| Q4 2024 | 59.46% | 93.93% | $0 | $1.66B |
| Q1 2025 | 59.39% | 94.00% | $0 | $2.07B |
| Q2 2025 | 61.66% | 94.15% | $0 | $2.40B |
| Q3 2025 | 61.38% | 94.27% | $0 | $2.28B |
| Q4 2025 | 62.48% | 94.07% | $0 | $2.25B |
| Q1 2026 | 61.17% | 94.28% | $0 | $2.21B |
| Q2 2026 | 60.96% | 94.53% | $0 | $2.20B |
First American Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3657) · FFIEC NIC profile (RSSD 850036)