First Community Bank Xenia-Flora: 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 dropped 60.1% in Q2 2026, from $4.5M to $1.8M. It was the largest change from Q1 2026 among the key lines here. First Community Bank Xenia-Flora ranks 230th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.92% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Community Bank Xenia-Flora sits 2.70 points lower, at 64.92% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.9M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 3.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.92% |
| Net loans and leases to deposits | 64.55% |
| Loans and leases to core deposits | 71.60% |
| Core deposits to total deposits | 90.68% |
| 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 | 62.45% | 89.90% | $0 | $3.1M |
| Q4 2023 | 66.28% | 89.72% | $1.1M | $3.1M |
| Q1 2024 | 61.01% | 90.20% | $0 | $3.1M |
| Q2 2024 | 61.34% | 90.16% | $0 | $2.9M |
| Q3 2024 | 60.34% | 89.97% | $0 | $2.9M |
| Q4 2024 | 62.35% | 90.22% | $0 | $2.9M |
| Q1 2025 | 61.84% | 90.42% | $0 | $2.9M |
| Q2 2025 | 64.08% | 90.75% | $0 | $3.0M |
| Q3 2025 | 66.30% | 90.65% | $0 | $3.0M |
| Q4 2025 | 63.73% | 90.90% | $0 | $3.0M |
| Q1 2026 | 62.90% | 90.98% | $0 | $3.0M |
| Q2 2026 | 64.92% | 90.68% | $0 | $2.5M |
First Community Bank Xenia-Flora 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 Xenia-Flora, 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 Xenia-Flora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3850) · FFIEC NIC profile (RSSD 242)