First Bank of Ohio: 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 Fed funds sold and reverse repos: 48.3% lower than in Q1 2026, at $10.6M. Among 156 Ohio banks, First Bank of Ohio sits 7th from the top on loan-to-deposit ratio, 110.71% as of Q2 2026. First Bank of Ohio reported 110.71% on loan-to-deposit ratio for Q2 2026, 29.88 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.4M |
| Fed funds sold and reverse repos | $10.6M |
| Fed funds sold and reverse repos to assets | 3.81% |
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 | 110.71% |
| Net loans and leases to deposits | 107.36% |
| Loans and leases to core deposits | 113.96% |
| Core deposits to total deposits | 69.37% |
| Brokered deposits to total deposits | 28.66% |
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 | 117.14% | 51.25% | $0 | $0 |
| Q4 2023 | 113.85% | 51.10% | $0 | $0 |
| Q1 2024 | 114.71% | 57.35% | $0 | $0 |
| Q2 2024 | 115.55% | 57.01% | $0 | $0 |
| Q3 2024 | 113.93% | 50.96% | $0 | $0 |
| Q4 2024 | 120.31% | 61.34% | $0 | $0 |
| Q1 2025 | 116.13% | 61.01% | $0 | $0 |
| Q2 2025 | 119.95% | 63.27% | $0 | $0 |
| Q3 2025 | 108.42% | 65.43% | $0 | $0 |
| Q4 2025 | 103.27% | 67.56% | $0 | $0 |
| Q1 2026 | 106.38% | 68.45% | $0 | $0 |
| Q2 2026 | 110.71% | 69.37% | $0 | $0 |
First Bank of Ohio 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 Ohio, 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 Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9450) · FFIEC NIC profile (RSSD 586027)