First Carolina Bank: 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 Loans and leases to core deposits: 5.24 percentage points higher than in Q1 2026, at 99.79%. Within North Carolina, First Carolina Bank is 6th of 38 on loan-to-deposit ratio, 95.55% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Carolina Bank sits 7.35 points higher, at 95.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.8M |
| Cash and noninterest-bearing balances to assets | 3.42% |
| Cash and securities | $444.2M |
| Fed funds sold and reverse repos | $2.2M |
| 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 | $50.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.55% |
| Net loans and leases to deposits | 94.78% |
| Loans and leases to core deposits | 99.79% |
| Core deposits to total deposits | 76.86% |
| Brokered deposits to total deposits | 18.90% |
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 | 104.65% | 52.96% | $0 | $150.0M |
| Q4 2023 | 94.15% | 58.02% | $0 | $0 |
| Q1 2024 | 94.19% | 60.12% | $0 | $0 |
| Q2 2024 | 100.10% | 52.78% | $0 | $75.0M |
| Q3 2024 | 100.56% | 59.47% | $0 | $100.0M |
| Q4 2024 | 102.91% | 52.75% | $0 | $100.0M |
| Q1 2025 | 97.54% | 56.36% | $0 | $75.0M |
| Q2 2025 | 91.55% | 57.42% | $0 | $0 |
| Q3 2025 | 87.59% | 64.33% | $0 | $0 |
| Q4 2025 | 94.54% | 68.17% | $0 | $75.0M |
| Q1 2026 | 90.35% | 73.91% | $0 | $0 |
| Q2 2026 | 95.55% | 76.86% | $0 | $50.0M |
First Carolina Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Carolina Bank, 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 Carolina Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35530) · FFIEC NIC profile (RSSD 2963266)