First Bank and Trust Company of Illinois: 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.
Loans and leases to core deposits dropped 1.18 percentage points in Q2 2026, from 78.17% to 77.00%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Bank and Trust Company of Illinois is 213th of 323 on loan-to-deposit ratio, 68.29% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank and Trust Company of Illinois sits 12.55 points lower, at 68.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $92.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $95.8M |
| 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 | $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 | 68.29% |
| Net loans and leases to deposits | 67.24% |
| Loans and leases to core deposits | 77.00% |
| Core deposits to total deposits | 88.70% |
| 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 | 96.14% | 88.31% | $0 | $0 |
| Q4 2023 | 93.92% | 88.09% | $0 | $0 |
| Q1 2024 | 94.76% | 85.97% | $0 | $0 |
| Q2 2024 | 91.51% | 84.64% | $0 | $0 |
| Q3 2024 | 88.54% | 84.62% | $0 | $0 |
| Q4 2024 | 75.41% | 85.99% | $0 | $0 |
| Q1 2025 | 68.52% | 87.21% | $0 | $0 |
| Q2 2025 | 61.01% | 87.47% | $0 | $0 |
| Q3 2025 | 58.57% | 87.64% | $0 | $0 |
| Q4 2025 | 70.55% | 87.63% | $0 | $0 |
| Q1 2026 | 68.84% | 88.06% | $0 | $0 |
| Q2 2026 | 68.29% | 88.70% | $0 | $0 |
First Bank and Trust Company of Illinois 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 of Illinois, 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 of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18641) · FFIEC NIC profile (RSSD 646444)