First 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.
Other borrowed money climbed 48.2% in Q2 2026, from $118.2M to $175.2M. It was the largest change from Q1 2026 among the key lines here. First Bank ranks 145th of 191 Missouri banks on loan-to-deposit ratio, in the lower half at 73.02% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Bank sits 15.18 points lower, at 73.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $253.4M |
| Cash and noninterest-bearing balances to assets | 3.81% |
| Cash and securities | $2.09B |
| 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 | $175.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.02% |
| Net loans and leases to deposits | 72.28% |
| Loans and leases to core deposits | 79.22% |
| Core deposits to total deposits | 91.64% |
| Brokered deposits to total deposits | 0.56% |
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 | 60.63% | 89.33% | $0 | $310.0M |
| Q4 2023 | 65.43% | 89.76% | $0 | $405.0M |
| Q1 2024 | 66.95% | 88.23% | $0 | $405.0M |
| Q2 2024 | 66.81% | 88.49% | $0 | $350.0M |
| Q3 2024 | 64.74% | 89.68% | $0 | $123.2M |
| Q4 2024 | 64.02% | 91.10% | $0 | $123.2M |
| Q1 2025 | 66.00% | 91.61% | $0 | $123.2M |
| Q2 2025 | 66.95% | 92.11% | $0 | $53.2M |
| Q3 2025 | 68.55% | 92.31% | $0 | $53.2M |
| Q4 2025 | 67.47% | 92.13% | $0 | $53.2M |
| Q1 2026 | 71.40% | 91.82% | $0 | $118.2M |
| Q2 2026 | 73.02% | 91.64% | $0 | $175.2M |
First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12229) · FFIEC NIC profile (RSSD 169653)