First Community 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: 5.45 percentage points higher than in Q1 2026, at 86.98%. First Community Bank ranks 133rd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 77.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Community Bank sits 2.98 points lower, at 77.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.4M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 3.59% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.96% |
| Net loans and leases to deposits | 76.93% |
| Loans and leases to core deposits | 86.98% |
| Core deposits to total deposits | 89.63% |
| Brokered deposits to total deposits | 0.00% |
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 | 66.14% | 92.56% | $3.7M | $4.3M |
| Q4 2023 | 64.76% | 92.00% | $0 | $4.3M |
| Q1 2024 | 68.85% | 92.82% | $0 | $4.3M |
| Q2 2024 | 71.37% | 91.16% | $250K | $4.3M |
| Q3 2024 | 72.65% | 90.15% | $0 | $4.3M |
| Q4 2024 | 72.46% | 91.38% | $0 | $4.3M |
| Q1 2025 | 68.77% | 91.69% | $0 | $3.4M |
| Q2 2025 | 74.51% | 91.39% | $0 | $3.4M |
| Q3 2025 | 77.08% | 89.61% | $0 | $3.4M |
| Q4 2025 | 78.73% | 89.40% | $350K | $3.4M |
| Q1 2026 | 73.38% | 90.00% | $0 | $3.4M |
| Q2 2026 | 77.96% | 89.63% | $0 | $3.4M |
First Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14904) · FFIEC NIC profile (RSSD 233246)