First County Bank: 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.
Other borrowed money to assets dropped 4.23 percentage points in Q2 2026, from 14.82% to 10.59%. It was the largest change from Q1 2026 among the key lines here. First County Bank ranks 11th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 99.65% (Q2 2026). First County Bank reported 99.65% on loan-to-deposit ratio for Q2 2026, 11.45 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $87.1M |
| Cash and noninterest-bearing balances to assets | 3.60% |
| Cash and securities | $371.6M |
| Fed funds sold and reverse repos | $5K |
| 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 | $256.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.65% |
| Net loans and leases to deposits | 98.78% |
| Loans and leases to core deposits | 112.74% |
| Core deposits to total deposits | 82.85% |
| Brokered deposits to total deposits | 5.54% |
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 | 103.76% | 84.24% | $0 | $354.0M |
| Q4 2023 | 102.74% | 85.19% | $0 | $380.4M |
| Q1 2024 | 99.39% | 85.38% | $0 | $375.4M |
| Q2 2024 | 94.26% | 85.87% | $0 | $375.3M |
| Q3 2024 | 92.96% | 86.12% | $0 | $375.3M |
| Q4 2024 | 97.36% | 86.59% | $0 | $354.3M |
| Q1 2025 | 97.78% | 84.00% | $0 | $306.2M |
| Q2 2025 | 96.58% | 85.05% | $0 | $246.2M |
| Q3 2025 | 97.61% | 84.44% | $0 | $271.2M |
| Q4 2025 | 97.25% | 84.70% | $0 | $277.7M |
| Q1 2026 | 101.95% | 85.87% | $0 | $349.6M |
| Q2 2026 | 99.65% | 82.85% | $0 | $256.6M |
First County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First County Bank, 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18204) · FFIEC NIC profile (RSSD 958204)