First Community Bank of Central Alabama: 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 climbed 79.6% in Q2 2026, from $3.8M to $6.8M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First Community Bank of Central Alabama is 26th of 93 on loan-to-deposit ratio, 79.18% 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 of Central Alabama reported 79.18% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.9M |
| Cash and noninterest-bearing balances to assets | 3.18% |
| Cash and securities | $179.2M |
| Fed funds sold and reverse repos | $6.8M |
| Fed funds sold and reverse repos to assets | 0.97% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 79.18% |
| Net loans and leases to deposits | 77.71% |
| Loans and leases to core deposits | 90.76% |
| Core deposits to total deposits | 87.24% |
| 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 | 64.71% | 91.98% | $0 | $0 |
| Q4 2023 | 64.23% | 90.95% | $0 | $0 |
| Q1 2024 | 63.16% | 90.30% | $0 | $0 |
| Q2 2024 | 66.89% | 90.33% | $0 | $0 |
| Q3 2024 | 67.47% | 90.12% | $0 | $0 |
| Q4 2024 | 68.32% | 89.21% | $0 | $0 |
| Q1 2025 | 67.34% | 89.29% | $0 | $0 |
| Q2 2025 | 73.04% | 88.28% | $0 | $0 |
| Q3 2025 | 72.88% | 87.77% | $0 | $0 |
| Q4 2025 | 74.63% | 87.74% | $0 | $0 |
| Q1 2026 | 75.78% | 87.47% | $0 | $0 |
| Q2 2026 | 79.18% | 87.24% | $0 | $0 |
First Community Bank of Central Alabama 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 of Central Alabama, 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 of Central Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57124) · FFIEC NIC profile (RSSD 3034257)