First Community Bank of Hillsboro: 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 Cash and balances due from depository institutions: 25.7% lower than in Q1 2026, at $5.8M. First Community Bank of Hillsboro ranks 93rd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 85.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Community Bank of Hillsboro sits 4.65 points higher, at 85.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.5M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.49% |
| Net loans and leases to deposits | 84.60% |
| Loans and leases to core deposits | 99.36% |
| Core deposits to total deposits | 86.04% |
| 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 | 63.74% | 87.83% | $2.2M | $36.1M |
| Q4 2023 | 70.37% | 87.00% | $2.9M | $32.0M |
| Q1 2024 | 70.41% | 86.06% | $1.8M | $34.5M |
| Q2 2024 | 67.80% | 87.44% | $3.3M | $28.8M |
| Q3 2024 | 76.27% | 88.16% | $2.6M | $28.8M |
| Q4 2024 | 80.93% | 87.48% | $3.9M | $21.0M |
| Q1 2025 | 76.44% | 87.81% | $4.3M | $23.0M |
| Q2 2025 | 78.23% | 87.81% | $3.9M | $19.0M |
| Q3 2025 | 75.18% | 87.26% | $0 | $19.2M |
| Q4 2025 | 83.76% | 86.82% | $0 | $19.2M |
| Q1 2026 | 83.52% | 86.23% | $0 | $16.1M |
| Q2 2026 | 85.49% | 86.04% | $0 | $15.0M |
First Community Bank of Hillsboro 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 Hillsboro, 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 Hillsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34752) · FFIEC NIC profile (RSSD 2696180)