First-Citizens Bank & Trust Company: 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: 232.0% higher than in Q1 2026, at $737.0M. Within North Carolina, First-Citizens Bank & Trust Company is 16th of 38 on loan-to-deposit ratio, 86.88% as of Q2 2026, above the middle of the field. First-Citizens Bank & Trust Company reported 86.88% on loan-to-deposit ratio for Q2 2026, 5.76 points above the 81.12% median for banks in the $100B-250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.27B |
| Cash and noninterest-bearing balances to assets | 9.42% |
| Cash and securities | $65.68B |
| Fed funds sold and reverse repos | $737.0M |
| Fed funds sold and reverse repos to assets | 0.31% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $152.0M |
| Other borrowed money | $29.51B |
| Subordinated notes and debentures | $423.0M |
| Other borrowed money to assets | 12.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.88% |
| Net loans and leases to deposits | 86.02% |
| Loans and leases to core deposits | 88.59% |
| Core deposits to total deposits | 91.75% |
| Brokered deposits to total deposits | 6.32% |
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 | 91.04% | 94.46% | $452.6M | $36.39B |
| Q4 2023 | 91.34% | 94.50% | $484.8M | $36.23B |
| Q1 2024 | 90.39% | 94.11% | $395.0M | $36.35B |
| Q2 2024 | 92.13% | 94.64% | $386.0M | $36.45B |
| Q3 2024 | 91.36% | 94.81% | $391.0M | $36.57B |
| Q4 2024 | 90.21% | 94.61% | $367.0M | $36.09B |
| Q1 2025 | 88.43% | 94.81% | $450.0M | $36.92B |
| Q2 2025 | 88.23% | 94.56% | $470.0M | $36.33B |
| Q3 2025 | 88.56% | 94.62% | $423.0M | $36.88B |
| Q4 2025 | 91.76% | 94.32% | $224.0M | $33.52B |
| Q1 2026 | 87.38% | 93.21% | $170.0M | $31.04B |
| Q2 2026 | 86.88% | 91.75% | $152.0M | $29.51B |
First-Citizens Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First-Citizens Bank & Trust Company, 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-Citizens Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11063) · FFIEC NIC profile (RSSD 491224)