First Bank and Trust Company: 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.
Cash and balances due from depository institutions dropped 39.4% in Q2 2026, from $2.8M to $1.7M. It was the largest change from Q1 2026 among the key lines here. First Bank and Trust Company ranks 115th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 66.47% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio; First Bank and Trust Company reported 66.47% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.6M |
| 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 | $11.6M |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.47% |
| Net loans and leases to deposits | 65.34% |
| Loans and leases to core deposits | 69.75% |
| Core deposits to total deposits | 95.31% |
| 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 | 71.04% | 94.30% | $11.0M | $6.4M |
| Q4 2023 | 66.19% | 94.99% | $10.3M | $3.2M |
| Q1 2024 | 62.86% | 95.01% | $10.8M | $2.3M |
| Q2 2024 | 68.57% | 95.36% | $10.4M | $4.6M |
| Q3 2024 | 75.97% | 94.46% | $10.9M | $7.1M |
| Q4 2024 | 68.33% | 95.24% | $10.8M | $3.2M |
| Q1 2025 | 66.34% | 94.78% | $11.7M | $2.7M |
| Q2 2025 | 72.42% | 94.78% | $10.4M | $7.1M |
| Q3 2025 | 74.29% | 94.26% | $10.7M | $6.4M |
| Q4 2025 | 70.77% | 94.79% | $10.5M | $3.9M |
| Q1 2026 | 64.42% | 95.08% | $11.8M | $2.6M |
| Q2 2026 | 66.47% | 95.31% | $11.6M | $3.5M |
First Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5438) · FFIEC NIC profile (RSSD 114859)