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.
Fed funds sold and reverse repos dropped 72.8% in Q2 2026, from $5.5M to $1.5M. It was the largest change from Q1 2026 among the key lines here. First Community Bank ranks 83rd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 87.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Community Bank sits 6.59 points higher, at 87.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.5M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.94% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $500K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.43% |
| Net loans and leases to deposits | 86.46% |
| Loans and leases to core deposits | 92.52% |
| Core deposits to total deposits | 94.49% |
| 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 | 76.85% | 90.24% | $0 | $4.0M |
| Q4 2023 | 77.88% | 89.95% | $0 | $4.0M |
| Q1 2024 | 77.33% | 89.44% | $0 | $2.5M |
| Q2 2024 | 77.77% | 90.69% | $0 | $3.0M |
| Q3 2024 | 78.63% | 90.81% | $0 | $3.0M |
| Q4 2024 | 77.19% | 90.88% | $0 | $3.0M |
| Q1 2025 | 77.75% | 91.47% | $0 | $2.5M |
| Q2 2025 | 79.35% | 91.95% | $0 | $1.0M |
| Q3 2025 | 80.64% | 93.87% | $0 | $1.0M |
| Q4 2025 | 84.30% | 92.91% | $0 | $500K |
| Q1 2026 | 84.51% | 93.02% | $0 | $500K |
| Q2 2026 | 87.43% | 94.49% | $0 | $500K |
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 11225) · FFIEC NIC profile (RSSD 742542)