First Central Bank McCook: 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 15.52 percentage points in Q2 2026, from 92.32% to 107.84%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First Central Bank McCook is 22nd of 138 on loan-to-deposit ratio, 95.30% as of Q2 2026, above the middle of the field. First Central Bank McCook reported 95.30% on loan-to-deposit ratio for Q2 2026, 14.46 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 | $6.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.5M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 2.53% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.30% |
| Net loans and leases to deposits | 93.72% |
| Loans and leases to core deposits | 107.84% |
| Core deposits to total deposits | 68.17% |
| Brokered deposits to total deposits | 20.20% |
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 | 94.74% | 65.23% | $0 | $4.7M |
| Q4 2023 | 89.73% | 65.04% | $0 | $4.7M |
| Q1 2024 | 89.11% | 68.67% | $0 | $4.7M |
| Q2 2024 | 91.31% | 69.62% | $0 | $4.7M |
| Q3 2024 | 93.59% | 69.02% | $0 | $4.7M |
| Q4 2024 | 88.16% | 69.47% | $0 | $4.7M |
| Q1 2025 | 84.67% | 63.01% | $0 | $4.5M |
| Q2 2025 | 84.95% | 63.78% | $0 | $4.2M |
| Q3 2025 | 87.46% | 66.28% | $0 | $4.2M |
| Q4 2025 | 81.39% | 69.65% | $0 | $4.2M |
| Q1 2026 | 81.27% | 69.86% | $0 | $3.8M |
| Q2 2026 | 95.30% | 68.17% | $0 | $2.3M |
First Central Bank McCook 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 McCook, 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 McCook profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34995) · FFIEC NIC profile (RSSD 2726050)