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: 31.5% higher than in Q1 2026, at $126.9M. First Bank has the 1st lowest loan-to-deposit ratio of the 5 banks headquartered in Alaska, at 30.10% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, First Bank reported 30.10% on loan-to-deposit ratio in Q2 2026, 50.45 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $126.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $610.9M |
| Fed funds sold and reverse repos | $1K |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 30.10% |
| Net loans and leases to deposits | 29.46% |
| Loans and leases to core deposits | 39.60% |
| Core deposits to total deposits | 76.02% |
| 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 | 26.13% | 83.01% | $0 | $0 |
| Q4 2023 | 26.59% | 78.77% | $0 | $0 |
| Q1 2024 | 28.23% | 76.92% | $0 | $0 |
| Q2 2024 | 29.43% | 76.98% | $0 | $0 |
| Q3 2024 | 27.50% | 77.11% | $0 | $0 |
| Q4 2024 | 28.62% | 75.31% | $0 | $0 |
| Q1 2025 | 30.91% | 74.98% | $0 | $0 |
| Q2 2025 | 29.73% | 74.85% | $0 | $0 |
| Q3 2025 | 28.11% | 76.00% | $0 | $0 |
| Q4 2025 | 29.27% | 75.27% | $0 | $0 |
| Q1 2026 | 30.79% | 74.85% | $0 | $0 |
| Q2 2026 | 30.10% | 76.02% | $0 | $0 |
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 14885) · FFIEC NIC profile (RSSD 451068)