First Community Bank and Trust: 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: 4.47 percentage points lower than in Q1 2026, at 56.41%. Within Illinois, First Community Bank and Trust is 259th of 323 on loan-to-deposit ratio, 55.01% as of Q2 2026, below 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 and Trust sits 25.83 points lower, at 55.01% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.8M |
| 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 | $758K |
| 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 | 55.01% |
| Net loans and leases to deposits | 54.34% |
| Loans and leases to core deposits | 56.41% |
| Core deposits to total deposits | 97.51% |
| 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 | 58.98% | 98.54% | $4.6M | $0 |
| Q4 2023 | 60.91% | 98.42% | $1.4M | $0 |
| Q1 2024 | 61.67% | 94.93% | $1.1M | $0 |
| Q2 2024 | 58.64% | 96.43% | $436K | $0 |
| Q3 2024 | 57.38% | 96.28% | $4.2M | $0 |
| Q4 2024 | 56.02% | 96.26% | $782K | $0 |
| Q1 2025 | 56.37% | 98.06% | $1.2M | $0 |
| Q2 2025 | 58.75% | 97.74% | $491K | $0 |
| Q3 2025 | 61.46% | 97.76% | $5.2M | $0 |
| Q4 2025 | 60.44% | 97.41% | $1.1M | $0 |
| Q1 2026 | 59.30% | 97.40% | $1.2M | $0 |
| Q2 2026 | 55.01% | 97.51% | $758K | $0 |
First Community Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15913) · FFIEC NIC profile (RSSD 371232)