First Commerce 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 Cash and balances due from depository institutions: 64.6% higher than in Q1 2026, at $102.2M. First Commerce Bank ranks 6th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 108.42% (Q2 2026). First Commerce Bank reported 108.42% on loan-to-deposit ratio for Q2 2026, 20.22 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $102.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $304.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $325.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.42% |
| Net loans and leases to deposits | 107.33% |
| Loans and leases to core deposits | 122.47% |
| Core deposits to total deposits | 74.29% |
| Brokered deposits to total deposits | 14.24% |
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 | 110.68% | 75.97% | $0 | $115.2M |
| Q4 2023 | 111.71% | 78.68% | $0 | $140.2M |
| Q1 2024 | 111.07% | 76.02% | $0 | $155.1M |
| Q2 2024 | 112.74% | 77.22% | $0 | $170.0M |
| Q3 2024 | 113.72% | 77.93% | $0 | $191.4M |
| Q4 2024 | 104.51% | 74.74% | $0 | $191.8M |
| Q1 2025 | 103.69% | 74.58% | $0 | $197.0M |
| Q2 2025 | 109.33% | 74.23% | $0 | $256.5M |
| Q3 2025 | 107.89% | 76.11% | $0 | $238.8M |
| Q4 2025 | 105.49% | 76.59% | $0 | $271.1M |
| Q1 2026 | 109.34% | 76.06% | $0 | $283.8M |
| Q2 2026 | 108.42% | 74.29% | $0 | $325.4M |
First Commerce Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58054) · FFIEC NIC profile (RSSD 3404373)