First Bank of Utica: 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 7.00 percentage points in Q2 2026, from 91.98% to 98.98%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First Bank of Utica is 24th of 138 on loan-to-deposit ratio, 95.17% as of Q2 2026, above the middle of the field. First Bank of Utica reported 95.17% on loan-to-deposit ratio for Q2 2026, 27.24 points above the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.2M |
| Fed funds sold and reverse repos | $9.0M |
| Fed funds sold and reverse repos to assets | 11.58% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.17% |
| Net loans and leases to deposits | 93.44% |
| Loans and leases to core deposits | 98.98% |
| Core deposits to total deposits | 96.13% |
| Brokered deposits to total deposits | 0.01% |
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 | 97.38% | 95.84% | $1.5M | $6.1M |
| Q4 2023 | 96.86% | 95.69% | $2.5M | $4.3M |
| Q1 2024 | 84.47% | 95.46% | $0 | $4.1M |
| Q2 2024 | 89.21% | 94.08% | $0 | $4.0M |
| Q3 2024 | 97.73% | 93.29% | $0 | $3.8M |
| Q4 2024 | 101.29% | 93.74% | $0 | $3.8M |
| Q1 2025 | 92.93% | 94.76% | $0 | $3.6M |
| Q2 2025 | 96.01% | 95.20% | $0 | $3.4M |
| Q3 2025 | 104.19% | 96.44% | $0 | $3.3M |
| Q4 2025 | 93.21% | 96.73% | $0 | $3.2M |
| Q1 2026 | 88.88% | 96.61% | $0 | $3.1M |
| Q2 2026 | 95.17% | 96.13% | $0 | $3.0M |
First Bank of Utica 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 Utica, 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 Utica profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14281) · FFIEC NIC profile (RSSD 391959)