The First Bank and Trust Company of Murphysboro: 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: 38.7% higher than in Q1 2026, at $7.0M. The First Bank and Trust Company of Murphysboro ranks 220th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 66.91% (Q2 2026). At 66.91%, The First Bank and Trust Company of Murphysboro's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.2M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 2.47% |
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 | 66.91% |
| Net loans and leases to deposits | 66.03% |
| Loans and leases to core deposits | 72.01% |
| Core deposits to total deposits | 92.92% |
| 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 | 70.18% | 95.95% | $0 | $0 |
| Q4 2023 | 73.85% | 95.20% | $1.0M | $0 |
| Q1 2024 | 70.51% | 93.14% | $0 | $0 |
| Q2 2024 | 70.00% | 93.55% | $0 | $0 |
| Q3 2024 | 71.56% | 93.23% | $0 | $0 |
| Q4 2024 | 75.41% | 93.51% | $0 | $0 |
| Q1 2025 | 71.07% | 92.72% | $0 | $0 |
| Q2 2025 | 69.19% | 93.76% | $0 | $0 |
| Q3 2025 | 70.58% | 93.83% | $0 | $0 |
| Q4 2025 | 70.23% | 94.13% | $0 | $0 |
| Q1 2026 | 69.52% | 93.33% | $0 | $0 |
| Q2 2026 | 66.91% | 92.92% | $0 | $0 |
The First Bank and Trust Company of Murphysboro liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank and Trust Company of Murphysboro, 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 The First Bank and Trust Company of Murphysboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3818) · FFIEC NIC profile (RSSD 303747)