First Bank of Berne: 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 purchased and repos climbed 56.1% in Q2 2026, from $2.5M to $3.9M. It was the largest change from Q1 2026 among the key lines here. First Bank of Berne ranks 49th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 81.70% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Bank of Berne sits 6.50 points lower, at 81.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $260.9M |
| 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 | $3.9M |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.70% |
| Net loans and leases to deposits | 80.61% |
| Loans and leases to core deposits | 82.54% |
| Core deposits to total deposits | 96.84% |
| Brokered deposits to total deposits | 2.13% |
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 | 80.71% | 98.34% | $23.0M | $65.0M |
| Q4 2023 | 81.05% | 99.09% | $4.2M | $90.0M |
| Q1 2024 | 81.18% | 93.69% | $5.3M | $90.0M |
| Q2 2024 | 80.70% | 95.19% | $6.5M | $90.0M |
| Q3 2024 | 81.20% | 92.63% | $8.1M | $90.0M |
| Q4 2024 | 78.84% | 93.92% | $9.4M | $40.0M |
| Q1 2025 | 81.49% | 94.09% | $7.9M | $40.0M |
| Q2 2025 | 77.12% | 94.66% | $7.4M | $40.0M |
| Q3 2025 | 81.68% | 96.33% | $8.1M | $40.0M |
| Q4 2025 | 81.26% | 96.67% | $7.4M | $40.0M |
| Q1 2026 | 79.53% | 96.68% | $2.5M | $30.0M |
| Q2 2026 | 81.70% | 96.84% | $3.9M | $30.0M |
First Bank of Berne 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 Berne, 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 Berne profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9288) · FFIEC NIC profile (RSSD 312244)