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: 1.22 percentage points higher than in Q1 2026, at 81.44%. First Community Bank ranks 33rd of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 80.94% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Community Bank sits 7.26 points lower, at 80.94% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $591.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $831.0M |
| Fed funds sold and reverse repos | $462.6M |
| Fed funds sold and reverse repos to assets | 12.82% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.9M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.94% |
| Net loans and leases to deposits | 79.86% |
| Loans and leases to core deposits | 81.44% |
| Core deposits to total deposits | 99.39% |
| Brokered deposits to total deposits | 0.02% |
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 | 94.00% | 99.38% | $1.0M | $0 |
| Q4 2023 | 93.98% | 99.32% | $1.1M | $0 |
| Q1 2024 | 93.26% | 99.34% | $1.0M | $0 |
| Q2 2024 | 91.22% | 99.28% | $893K | $0 |
| Q3 2024 | 91.69% | 99.19% | $954K | $0 |
| Q4 2024 | 89.64% | 99.17% | $906K | $0 |
| Q1 2025 | 88.16% | 99.17% | $909K | $0 |
| Q2 2025 | 88.51% | 99.21% | $1.0M | $0 |
| Q3 2025 | 87.61% | 99.36% | $1.4M | $0 |
| Q4 2025 | 85.03% | 99.40% | $1.2M | $0 |
| Q1 2026 | 79.75% | 99.42% | $3.2M | $0 |
| Q2 2026 | 80.94% | 99.39% | $2.9M | $0 |
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 13012) · FFIEC NIC profile (RSSD 2353595)