First Community Bank of the Heartland, Inc.: 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: 5.60 percentage points higher than in Q1 2026, at 108.50%. First Community Bank of the Heartland, Inc. ranks 34th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 91.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Community Bank of the Heartland, Inc. sits 10.82 points higher, at 91.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.6M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 0.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.66% |
| Net loans and leases to deposits | 90.90% |
| Loans and leases to core deposits | 108.50% |
| Core deposits to total deposits | 83.25% |
| Brokered deposits to total deposits | 6.84% |
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 | 93.67% | 79.04% | $0 | $32.1M |
| Q4 2023 | 96.48% | 80.63% | $0 | $38.0M |
| Q1 2024 | 92.72% | 86.04% | $0 | $22.0M |
| Q2 2024 | 89.89% | 82.66% | $0 | $10.0M |
| Q3 2024 | 91.94% | 80.63% | $0 | $21.0M |
| Q4 2024 | 89.05% | 81.84% | $0 | $10.5M |
| Q1 2025 | 87.11% | 83.54% | $0 | $0 |
| Q2 2025 | 86.73% | 83.94% | $0 | $0 |
| Q3 2025 | 89.81% | 83.02% | $0 | $19.5M |
| Q4 2025 | 89.23% | 83.15% | $0 | $14.0M |
| Q1 2026 | 87.68% | 83.95% | $0 | $0 |
| Q2 2026 | 91.66% | 83.25% | $0 | $17.0M |
First Community Bank of the Heartland, Inc. 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 the Heartland, Inc., 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 the Heartland, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14735) · FFIEC NIC profile (RSSD 837149)