First Bank of Boaz: 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.
Other borrowed money dropped 50.0% in Q2 2026, from $4.0M to $2.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Bank of Boaz is 4th from the bottom among 93 Alabama banks, 33.72% (Q2 2026). First Bank of Boaz's loan-to-deposit ratio of 33.72% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 47.23 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $159.1M |
| Fed funds sold and reverse repos | $150K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 33.72% |
| Net loans and leases to deposits | 33.22% |
| Loans and leases to core deposits | 40.27% |
| Core deposits to total deposits | 83.72% |
| 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 | 29.67% | 85.95% | $0 | $20.0M |
| Q4 2023 | 32.75% | 86.46% | $0 | $25.0M |
| Q1 2024 | 32.34% | 86.08% | $0 | $25.0M |
| Q2 2024 | 31.91% | 85.44% | $0 | $25.0M |
| Q3 2024 | 33.33% | 85.18% | $0 | $20.0M |
| Q4 2024 | 33.04% | 84.17% | $0 | $20.0M |
| Q1 2025 | 31.28% | 84.75% | $0 | $20.0M |
| Q2 2025 | 31.56% | 84.44% | $0 | $10.0M |
| Q3 2025 | 30.93% | 84.79% | $0 | $5.0M |
| Q4 2025 | 33.94% | 83.23% | $0 | $4.0M |
| Q1 2026 | 33.79% | 83.17% | $0 | $4.0M |
| Q2 2026 | 33.72% | 83.72% | $0 | $2.0M |
First Bank of Boaz 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 Boaz, 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 Boaz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2784) · FFIEC NIC profile (RSSD 533535)