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.
Cash and balances due from depository institutions climbed 43.1% in Q2 2026, from $9.4M to $13.4M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, First Community Bank is 19th of 72 on loan-to-deposit ratio, 94.72% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Community Bank sits 13.88 points higher, at 94.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.8M |
| 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 | $12.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.72% |
| Net loans and leases to deposits | 93.62% |
| Loans and leases to core deposits | 97.58% |
| Core deposits to total deposits | 96.50% |
| Brokered deposits to total deposits | 0.57% |
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 | 86.27% | 94.12% | $0 | $8.1M |
| Q4 2023 | 88.33% | 93.04% | $0 | $18.1M |
| Q1 2024 | 88.14% | 92.47% | $0 | $11.0M |
| Q2 2024 | 92.07% | 93.60% | $0 | $19.5M |
| Q3 2024 | 89.28% | 96.58% | $0 | $3.0M |
| Q4 2024 | 94.23% | 96.29% | $0 | $18.0M |
| Q1 2025 | 94.06% | 95.60% | $0 | $14.9M |
| Q2 2025 | 93.53% | 91.64% | $0 | $13.9M |
| Q3 2025 | 87.70% | 94.77% | $0 | $2.9M |
| Q4 2025 | 93.41% | 97.05% | $0 | $7.9M |
| Q1 2026 | 95.87% | 96.99% | $0 | $15.8M |
| Q2 2026 | 94.72% | 96.50% | $0 | $12.8M |
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 13179) · FFIEC NIC profile (RSSD 932745)