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.
Loans and leases to core deposits climbed 4.68 percentage points in Q2 2026, from 89.76% to 94.45%. It was the largest change from Q1 2026 among the key lines here. First Community Bank ranks 69th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 85.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Community Bank sits 5.37 points higher, at 85.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.3M |
| Fed funds sold and reverse repos | $15.2M |
| Fed funds sold and reverse repos to assets | 4.43% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.93% |
| Net loans and leases to deposits | 84.81% |
| Loans and leases to core deposits | 94.45% |
| Core deposits to total deposits | 82.33% |
| Brokered deposits to total deposits | 8.65% |
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 | 86.01% | 86.24% | $0 | $16.3M |
| Q4 2023 | 78.36% | 83.45% | $0 | $5.2M |
| Q1 2024 | 82.29% | 82.22% | $0 | $8.2M |
| Q2 2024 | 77.12% | 83.27% | $0 | $208K |
| Q3 2024 | 75.62% | 83.93% | $0 | $208K |
| Q4 2024 | 81.97% | 82.20% | $0 | $6.2M |
| Q1 2025 | 83.86% | 80.10% | $0 | $11.2M |
| Q2 2025 | 84.58% | 78.13% | $0 | $14.1M |
| Q3 2025 | 83.82% | 78.14% | $0 | $148K |
| Q4 2025 | 85.96% | 78.09% | $0 | $6.1M |
| Q1 2026 | 81.86% | 79.48% | $0 | $119K |
| Q2 2026 | 85.93% | 82.33% | $0 | $6.1M |
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 5384) · FFIEC NIC profile (RSSD 993250)