First Bank of Alabama: 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.
Fed funds sold and reverse repos dropped 55.6% in Q2 2026, from $52.7M to $23.4M. It was the largest change from Q1 2026 among the key lines here. First Bank of Alabama ranks 52nd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 66.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Bank of Alabama sits 21.49 points lower, at 66.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $113.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $440.2M |
| Fed funds sold and reverse repos | $23.4M |
| Fed funds sold and reverse repos to assets | 1.72% |
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 | 66.71% |
| Net loans and leases to deposits | 65.94% |
| Loans and leases to core deposits | 76.14% |
| Core deposits to total deposits | 87.62% |
| 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 | 76.17% | 87.58% | $7.8M | $0 |
| Q4 2023 | 75.40% | 87.47% | $0 | $0 |
| Q1 2024 | 73.29% | 86.21% | $0 | $0 |
| Q2 2024 | 72.93% | 83.30% | $0 | $0 |
| Q3 2024 | 70.13% | 84.37% | $0 | $0 |
| Q4 2024 | 67.20% | 86.10% | $0 | $0 |
| Q1 2025 | 68.41% | 86.96% | $0 | $0 |
| Q2 2025 | 69.21% | 86.52% | $0 | $0 |
| Q3 2025 | 73.76% | 87.04% | $0 | $0 |
| Q4 2025 | 66.66% | 88.12% | $0 | $0 |
| Q1 2026 | 66.73% | 88.24% | $0 | $0 |
| Q2 2026 | 66.71% | 87.62% | $0 | $0 |
First Bank of Alabama liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2832) · FFIEC NIC profile (RSSD 257233)