First Bank Chicago: 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: 16.5% higher than in Q1 2026, at $152.3M. Within Illinois, First Bank Chicago is 91st of 323 on loan-to-deposit ratio, 85.72% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First Bank Chicago reported 85.72% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $152.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $623.0M |
| 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 | $233.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.72% |
| Net loans and leases to deposits | 85.02% |
| Loans and leases to core deposits | 96.50% |
| Core deposits to total deposits | 66.04% |
| Brokered deposits to total deposits | 22.79% |
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 | 83.81% | 75.10% | $0 | $220.0M |
| Q4 2023 | 86.37% | 77.45% | $0 | $260.0M |
| Q1 2024 | 82.54% | 73.61% | $0 | $190.0M |
| Q2 2024 | 79.35% | 72.16% | $0 | $150.0M |
| Q3 2024 | 80.40% | 78.02% | $50K | $140.0M |
| Q4 2024 | 87.27% | 74.00% | $0 | $218.0M |
| Q1 2025 | 81.67% | 71.20% | $0 | $143.0M |
| Q2 2025 | 84.87% | 72.95% | $0 | $210.0M |
| Q3 2025 | 86.37% | 71.19% | $10.0M | $242.5M |
| Q4 2025 | 87.25% | 68.05% | $0 | $254.5M |
| Q1 2026 | 84.77% | 67.14% | $0 | $202.5M |
| Q2 2026 | 85.72% | 66.04% | $0 | $233.5M |
First Bank Chicago liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Chicago, 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 Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17470) · FFIEC NIC profile (RSSD 804338)