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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.34 percentage points higher than in Q1 2026, at 83.48%. Within North Carolina, First Bank is 23rd of 38 on loan-to-deposit ratio, 81.08% as of Q2 2026. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. First Bank sits 5.79 points lower, at 81.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $552.4M |
| Cash and noninterest-bearing balances to assets | 4.24% |
| Cash and securities | $3.00B |
| 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 | $728K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.08% |
| Net loans and leases to deposits | 79.95% |
| Loans and leases to core deposits | 83.48% |
| Core deposits to total deposits | 97.08% |
| Brokered deposits to total deposits | 0.04% |
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 | 78.47% | 96.35% | $0 | $301.7M |
| Q4 2023 | 81.22% | 96.32% | $0 | $529.9M |
| Q1 2024 | 78.27% | 94.58% | $0 | $231.8M |
| Q2 2024 | 76.86% | 95.82% | $0 | $826K |
| Q3 2024 | 76.16% | 96.25% | $0 | $815K |
| Q4 2024 | 76.73% | 96.49% | $0 | $802K |
| Q1 2025 | 75.28% | 96.64% | $0 | $790K |
| Q2 2025 | 75.88% | 96.79% | $0 | $778K |
| Q3 2025 | 77.27% | 97.09% | $0 | $765K |
| Q4 2025 | 81.15% | 97.11% | $0 | $753K |
| Q1 2026 | 79.84% | 97.16% | $0 | $740K |
| Q2 2026 | 81.08% | 97.08% | $0 | $728K |
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 15019) · FFIEC NIC profile (RSSD 216922)