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.
Loan-to-deposit ratio climbed 3.41 percentage points in Q2 2026, from 99.38% to 102.79%. It was the largest change from Q1 2026 among the key lines here. First Community Bank ranks 9th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 102.79% (Q2 2026). First Community Bank reported 102.79% on loan-to-deposit ratio for Q2 2026, 14.58 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 | $170.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $506.9M |
| 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 | $23.7M |
| Other borrowed money | $438.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.79% |
| Net loans and leases to deposits | 101.76% |
| Loans and leases to core deposits | 118.75% |
| Core deposits to total deposits | 78.25% |
| Brokered deposits to total deposits | 8.30% |
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 | 104.47% | 87.58% | $44.1M | $354.6M |
| Q4 2023 | 103.38% | 87.58% | $49.3M | $338.0M |
| Q1 2024 | 101.85% | 85.73% | $41.6M | $322.5M |
| Q2 2024 | 102.73% | 84.60% | $32.2M | $306.9M |
| Q3 2024 | 103.04% | 83.14% | $28.8M | $325.6M |
| Q4 2024 | 102.73% | 83.11% | $26.9M | $275.1M |
| Q1 2025 | 101.07% | 81.10% | $22.4M | $314.6M |
| Q2 2025 | 100.06% | 79.86% | $25.3M | $344.0M |
| Q3 2025 | 100.72% | 78.44% | $23.3M | $313.5M |
| Q4 2025 | 100.34% | 77.29% | $23.7M | $344.0M |
| Q1 2026 | 99.38% | 78.44% | $20.9M | $328.5M |
| Q2 2026 | 102.79% | 78.25% | $23.7M | $438.0M |
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 34533) · FFIEC NIC profile (RSSD 2596646)