The 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.88 percentage points lower than in Q1 2026, at 102.83%. The First Bank and Trust Company ranks 12th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 95.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The First Bank and Trust Company sits 7.02 points higher, at 95.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $466.3M |
| Cash and noninterest-bearing balances to assets | 10.90% |
| Cash and securities | $527.3M |
| 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 | $9.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.22% |
| Net loans and leases to deposits | 93.94% |
| Loans and leases to core deposits | 102.83% |
| Core deposits to total deposits | 92.60% |
| 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 | 100.69% | 97.08% | $0 | $47.8M |
| Q4 2023 | 97.92% | 97.29% | $0 | $44.5M |
| Q1 2024 | 99.16% | 95.28% | $0 | $41.2M |
| Q2 2024 | 97.31% | 95.10% | $0 | $37.9M |
| Q3 2024 | 97.49% | 94.03% | $0 | $34.5M |
| Q4 2024 | 95.18% | 93.17% | $0 | $31.5M |
| Q1 2025 | 94.39% | 92.12% | $0 | $29.0M |
| Q2 2025 | 95.88% | 91.97% | $0 | $26.5M |
| Q3 2025 | 94.69% | 91.76% | $0 | $23.9M |
| Q4 2025 | 91.79% | 92.32% | $0 | $12.0M |
| Q1 2026 | 96.47% | 92.13% | $0 | $10.5M |
| Q2 2026 | 95.22% | 92.60% | $0 | $9.5M |
The 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 The 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 The First Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22918) · FFIEC NIC profile (RSSD 223322)