First Bank of the Lake: 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 Core deposits to total deposits: 4.58 percentage points lower than in Q1 2026, at 38.51%. On loan-to-deposit ratio, First Bank of the Lake ranks 10th highest among the 192 banks headquartered in Missouri, at 107.29% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Bank of the Lake sits 19.09 points higher, at 107.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $82.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.0M |
| 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 | $116.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.29% |
| Net loans and leases to deposits | 106.57% |
| Loans and leases to core deposits | 112.85% |
| Core deposits to total deposits | 38.51% |
| Brokered deposits to total deposits | 56.55% |
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 | 108.73% | 62.15% | $0 | $42.8M |
| Q4 2023 | 106.84% | 57.36% | $0 | $36.9M |
| Q1 2024 | 118.62% | 52.15% | $0 | $146.7M |
| Q2 2024 | 108.94% | 46.34% | $0 | $64.1M |
| Q3 2024 | 119.70% | 47.22% | $0 | $165.2M |
| Q4 2024 | 107.63% | 46.11% | $0 | $41.0M |
| Q1 2025 | 113.41% | 40.58% | $0 | $112.0M |
| Q2 2025 | 115.46% | 37.83% | $0 | $147.5M |
| Q3 2025 | 108.35% | 41.64% | $0 | $99.5M |
| Q4 2025 | 107.69% | 39.43% | $0 | $145.5M |
| Q1 2026 | 109.94% | 43.09% | $0 | $161.0M |
| Q2 2026 | 107.29% | 38.51% | $0 | $116.5M |
First Bank of the Lake 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 the Lake, 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 the Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26960) · FFIEC NIC profile (RSSD 758851)