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 Other borrowed money: 26.4% lower than in Q1 2026, at $19.5M. First Bank ranks 66th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 91.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank sits 10.32 points higher, at 91.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | 1.75% |
| Cash and securities | $148.4M |
| Fed funds sold and reverse repos | $973K |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $19.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.15% |
| Net loans and leases to deposits | 90.04% |
| Loans and leases to core deposits | 98.41% |
| Core deposits to total deposits | 91.82% |
| Brokered deposits to total deposits | 0.81% |
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 | 79.29% | 90.95% | $0 | $41.8M |
| Q4 2023 | 78.82% | 92.35% | $97K | $38.7M |
| Q1 2024 | 83.64% | 93.60% | $0 | $49.1M |
| Q2 2024 | 83.40% | 91.57% | $0 | $43.2M |
| Q3 2024 | 83.17% | 92.45% | $0 | $39.2M |
| Q4 2024 | 83.79% | 92.13% | $0 | $34.7M |
| Q1 2025 | 84.27% | 92.96% | $0 | $31.2M |
| Q2 2025 | 87.75% | 93.61% | $0 | $35.6M |
| Q3 2025 | 93.42% | 94.13% | $0 | $62.2M |
| Q4 2025 | 90.30% | 93.16% | $0 | $34.8M |
| Q1 2026 | 89.99% | 92.04% | $0 | $26.5M |
| Q2 2026 | 91.15% | 91.82% | $0 | $19.5M |
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 4519) · FFIEC NIC profile (RSSD 376442)