First Central 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 Fed funds sold and reverse repos: 60.7% lower than in Q1 2026, at $5.2M. Within Nebraska, First Central Bank is 49th of 138 on loan-to-deposit ratio, 90.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Central Bank sits 9.68 points higher, at 90.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.6M |
| Fed funds sold and reverse repos | $5.2M |
| 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 | $2.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.52% |
| Net loans and leases to deposits | 89.34% |
| Loans and leases to core deposits | 102.08% |
| Core deposits to total deposits | 75.51% |
| Brokered deposits to total deposits | 13.17% |
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 | 96.14% | 82.45% | $0 | $3.5M |
| Q4 2023 | 94.72% | 83.67% | $0 | $3.5M |
| Q1 2024 | 89.60% | 83.96% | $0 | $3.0M |
| Q2 2024 | 90.56% | 84.05% | $0 | $3.0M |
| Q3 2024 | 96.40% | 83.20% | $0 | $4.3M |
| Q4 2024 | 93.98% | 86.24% | $0 | $3.0M |
| Q1 2025 | 88.55% | 71.55% | $0 | $5.0M |
| Q2 2025 | 89.01% | 67.43% | $0 | $5.2M |
| Q3 2025 | 92.64% | 72.56% | $0 | $6.5M |
| Q4 2025 | 87.12% | 74.66% | $0 | $8.3M |
| Q1 2026 | 86.71% | 75.60% | $0 | $4.5M |
| Q2 2026 | 90.52% | 75.51% | $0 | $2.8M |
First Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10637) · FFIEC NIC profile (RSSD 134156)