First Bank of Manhattan: 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.
Loans and leases to core deposits climbed 2.78 percentage points in Q2 2026, from 63.34% to 66.12%. It was the largest change from Q1 2026 among the key lines here. First Bank of Manhattan ranks 237th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 63.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank of Manhattan sits 17.42 points lower, at 63.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.7M |
| 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 | $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 | 63.42% |
| Net loans and leases to deposits | 62.68% |
| Loans and leases to core deposits | 66.12% |
| Core deposits to total deposits | 95.91% |
| 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 | 57.32% | 97.12% | $0 | $0 |
| Q4 2023 | 62.33% | 97.10% | $0 | $0 |
| Q1 2024 | 65.82% | 96.70% | $0 | $0 |
| Q2 2024 | 61.98% | 96.15% | $0 | $0 |
| Q3 2024 | 59.04% | 96.29% | $0 | $0 |
| Q4 2024 | 61.02% | 95.74% | $0 | $0 |
| Q1 2025 | 62.21% | 95.56% | $0 | $0 |
| Q2 2025 | 57.81% | 96.08% | $0 | $0 |
| Q3 2025 | 57.55% | 96.00% | $0 | $0 |
| Q4 2025 | 61.16% | 95.90% | $0 | $0 |
| Q1 2026 | 60.65% | 95.75% | $0 | $0 |
| Q2 2026 | 63.42% | 95.91% | $0 | $0 |
First Bank of Manhattan 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 Manhattan, 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 Manhattan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3702) · FFIEC NIC profile (RSSD 238139)