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 Cash and balances due from depository institutions: 10.4% higher than in Q1 2026, at $352.0M. Within New Jersey, First Bank is 14th of 49 on loan-to-deposit ratio, 101.48% as of Q2 2026. First Bank reported 101.48% on loan-to-deposit ratio for Q2 2026, 13.28 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $352.0M |
| Cash and noninterest-bearing balances to assets | 8.61% |
| Cash and securities | $509.9M |
| 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 | $0 |
| Other borrowed money | $241.5M |
| Subordinated notes and debentures | $34.5M |
| Other borrowed money to assets | 5.91% |
| Trading liabilities | $10.0M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.48% |
| Net loans and leases to deposits | 100.08% |
| Loans and leases to core deposits | 110.21% |
| Core deposits to total deposits | 81.69% |
| Brokered deposits to total deposits | 10.39% |
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 | 101.80% | 89.22% | $0 | $133.1M |
| Q4 2023 | 101.82% | 89.17% | $0 | $179.1M |
| Q1 2024 | 100.75% | 87.28% | $0 | $171.6M |
| Q2 2024 | 101.02% | 86.36% | $0 | $187.1M |
| Q3 2024 | 101.23% | 86.80% | $0 | $237.0M |
| Q4 2024 | 102.89% | 86.40% | $0 | $246.9M |
| Q1 2025 | 103.75% | 85.54% | $0 | $281.9M |
| Q2 2025 | 105.09% | 85.24% | $0 | $326.8M |
| Q3 2025 | 104.66% | 83.25% | $0 | $301.7M |
| Q4 2025 | 102.84% | 84.25% | $0 | $236.7M |
| Q1 2026 | 102.38% | 82.62% | $0 | $221.6M |
| Q2 2026 | 101.48% | 81.69% | $0 | $241.5M |
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 58481) · FFIEC NIC profile (RSSD 3401970)