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: 5.75 percentage points higher than in Q1 2026, at 105.05%. Within Kansas, First Bank is 31st of 182 on loan-to-deposit ratio, 92.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Bank sits 12.43 points higher, at 92.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.1M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.90% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $18.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.99% |
| Net loans and leases to deposits | 90.32% |
| Loans and leases to core deposits | 105.05% |
| Core deposits to total deposits | 88.52% |
| Brokered deposits to total deposits | 8.45% |
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 | 73.76% | 87.84% | $0 | $17.2M |
| Q4 2023 | 71.56% | 88.33% | $0 | $9.7M |
| Q1 2024 | 76.61% | 88.59% | $0 | $13.7M |
| Q2 2024 | 79.54% | 88.77% | $0 | $12.9M |
| Q3 2024 | 78.89% | 89.97% | $0 | $20.5M |
| Q4 2024 | 83.51% | 87.06% | $0 | $23.8M |
| Q1 2025 | 84.56% | 87.93% | $0 | $21.8M |
| Q2 2025 | 82.51% | 88.18% | $0 | $17.8M |
| Q3 2025 | 78.03% | 87.94% | $0 | $16.3M |
| Q4 2025 | 90.45% | 87.28% | $975K | $16.3M |
| Q1 2026 | 87.89% | 88.51% | $0 | $15.1M |
| Q2 2026 | 92.99% | 88.52% | $0 | $18.8M |
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 16473) · FFIEC NIC profile (RSSD 49652)