First Electronic 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.
Net loans and leases to deposits dropped 3.38 percentage points in Q2 2026, from 74.52% to 71.14%. It was the largest change from Q1 2026 among the key lines here. First Electronic Bank ranks 32nd of 44 Utah banks on loan-to-deposit ratio, in the lower half at 71.58% (Q2 2026). First Electronic Bank reported 71.58% on loan-to-deposit ratio for Q2 2026, 8.98 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $283.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $286.1M |
| 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 | 71.58% |
| Net loans and leases to deposits | 71.14% |
| Loans and leases to core deposits | 71.58% |
| Core deposits to total deposits | 99.91% |
| Brokered deposits to total deposits | 0.09% |
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 | 58.11% | 99.83% | $0 | $0 |
| Q4 2023 | 56.70% | 99.86% | $0 | $0 |
| Q1 2024 | 67.52% | 99.90% | $0 | $0 |
| Q2 2024 | 52.84% | 99.92% | $0 | $0 |
| Q3 2024 | 85.15% | 99.89% | $0 | $0 |
| Q4 2024 | 66.47% | 99.92% | $0 | $0 |
| Q1 2025 | 84.77% | 99.92% | $0 | $0 |
| Q2 2025 | 48.47% | 99.92% | $0 | $0 |
| Q3 2025 | 55.88% | 99.92% | $0 | $0 |
| Q4 2025 | 44.55% | 99.91% | $0 | $0 |
| Q1 2026 | 74.78% | 99.88% | $0 | $0 |
| Q2 2026 | 71.58% | 99.91% | $0 | $0 |
First Electronic Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Electronic 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 Electronic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35533) · FFIEC NIC profile (RSSD 2947556)