First Bank Kansas: 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: 2.05 percentage points higher than in Q1 2026, at 79.93%. Within Kansas, First Bank Kansas is 97th of 182 on loan-to-deposit ratio, 74.80% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Bank Kansas sits 5.75 points lower, at 74.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.9M |
| Cash and noninterest-bearing balances to assets | 4.67% |
| Cash and securities | $180.5M |
| 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 | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.80% |
| Net loans and leases to deposits | 73.69% |
| Loans and leases to core deposits | 79.93% |
| Core deposits to total deposits | 93.57% |
| Brokered deposits to total deposits | 0.02% |
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 | 62.75% | 92.09% | $0 | $8.0M |
| Q4 2023 | 65.95% | 93.16% | $0 | $8.0M |
| Q1 2024 | 65.15% | 92.80% | $0 | $8.0M |
| Q2 2024 | 68.67% | 93.65% | $0 | $8.0M |
| Q3 2024 | 68.82% | 92.66% | $0 | $8.0M |
| Q4 2024 | 67.90% | 92.42% | $0 | $8.0M |
| Q1 2025 | 68.75% | 93.10% | $0 | $8.0M |
| Q2 2025 | 71.67% | 92.72% | $0 | $8.0M |
| Q3 2025 | 72.68% | 93.90% | $0 | $8.0M |
| Q4 2025 | 73.59% | 93.98% | $0 | $8.0M |
| Q1 2026 | 73.34% | 94.17% | $0 | $4.0M |
| Q2 2026 | 74.80% | 93.57% | $0 | $4.0M |
First Bank Kansas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Kansas, 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 Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18431) · FFIEC NIC profile (RSSD 192558)