First Community Bank of Moultrie County: 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 3.77 percentage points in Q2 2026, from 46.11% to 49.88%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Community Bank of Moultrie County is 289th of 323 on loan-to-deposit ratio, 48.65% as of Q2 2026, below the middle of the field. First Community Bank of Moultrie County reported 48.65% on loan-to-deposit ratio for Q2 2026, 32.30 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.7M |
| 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 | $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 | 48.65% |
| Net loans and leases to deposits | 47.88% |
| Loans and leases to core deposits | 49.88% |
| Core deposits to total deposits | 97.52% |
| 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 | 43.26% | 98.76% | $0 | $0 |
| Q4 2023 | 45.02% | 98.08% | $0 | $0 |
| Q1 2024 | 44.87% | 98.27% | $0 | $0 |
| Q2 2024 | 45.60% | 98.31% | $0 | $0 |
| Q3 2024 | 47.18% | 98.33% | $0 | $0 |
| Q4 2024 | 49.29% | 98.06% | $0 | $0 |
| Q1 2025 | 43.65% | 97.56% | $0 | $0 |
| Q2 2025 | 48.82% | 97.07% | $0 | $0 |
| Q3 2025 | 47.09% | 97.25% | $0 | $0 |
| Q4 2025 | 47.93% | 97.34% | $0 | $0 |
| Q1 2026 | 44.92% | 97.41% | $0 | $0 |
| Q2 2026 | 48.65% | 97.52% | $0 | $0 |
First Community Bank of Moultrie County 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 Moultrie County, 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 Moultrie County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3745) · FFIEC NIC profile (RSSD 459644)