First Arkansas Bank and Trust: 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.
Fed funds purchased and repos dropped 12.3% in Q2 2026, from $26.7M to $23.4M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, First Arkansas Bank and Trust is 52nd of 78 on loan-to-deposit ratio, 80.83% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Arkansas Bank and Trust sits 7.37 points lower, at 80.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $254.2M |
| 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 | $23.4M |
| Other borrowed money | $8.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.83% |
| Net loans and leases to deposits | 79.93% |
| Loans and leases to core deposits | 90.49% |
| Core deposits to total deposits | 89.33% |
| 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 | 86.84% | 96.08% | $18.7M | $101.2M |
| Q4 2023 | 82.03% | 96.14% | $3.0M | $71.1M |
| Q1 2024 | 87.54% | 88.31% | $43.9M | $93.6M |
| Q2 2024 | 85.96% | 88.24% | $27.9M | $83.5M |
| Q3 2024 | 84.64% | 87.64% | $9.8M | $83.5M |
| Q4 2024 | 79.10% | 88.71% | $3.0M | $33.4M |
| Q1 2025 | 81.47% | 88.82% | $40.2M | $13.9M |
| Q2 2025 | 77.66% | 89.06% | $3.0M | $13.8M |
| Q3 2025 | 77.61% | 89.16% | $3.0M | $13.8M |
| Q4 2025 | 74.89% | 88.78% | $2.7M | $13.7M |
| Q1 2026 | 81.00% | 89.43% | $26.7M | $8.7M |
| Q2 2026 | 80.83% | 89.33% | $23.4M | $8.7M |
First Arkansas Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Arkansas Bank and Trust, 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 Arkansas Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16849) · FFIEC NIC profile (RSSD 466240)