First Federal 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.
The standout move of Q2 2026 was in Other borrowed money: 24.4% higher than in Q1 2026, at $490.1M. On loan-to-deposit ratio, First Federal Bank is 9th from the bottom among 81 Florida banks, 41.67% (Q2 2026). First Federal Bank's loan-to-deposit ratio of 41.67% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 46.53 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $81.6M |
| Cash and noninterest-bearing balances to assets | 1.82% |
| Cash and securities | $2.61B |
| 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 | $490.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.67% |
| Net loans and leases to deposits | 41.35% |
| Loans and leases to core deposits | 43.25% |
| Core deposits to total deposits | 71.18% |
| Brokered deposits to total deposits | 25.18% |
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 | 34.32% | 74.23% | $0 | $120.0M |
| Q4 2023 | 36.29% | 71.31% | $0 | $65.6M |
| Q1 2024 | 37.62% | 72.10% | $0 | $171.9M |
| Q2 2024 | 38.89% | 66.87% | $0 | $263.5M |
| Q3 2024 | 39.71% | 70.26% | $0 | $283.2M |
| Q4 2024 | 37.67% | 72.47% | $0 | $70.7M |
| Q1 2025 | 39.73% | 76.28% | $0 | $392.4M |
| Q2 2025 | 42.67% | 72.44% | $0 | $532.7M |
| Q3 2025 | 41.37% | 69.86% | $0 | $442.2M |
| Q4 2025 | 43.13% | 74.15% | $0 | $531.5M |
| Q1 2026 | 39.54% | 72.15% | $0 | $394.1M |
| Q2 2026 | 41.67% | 71.18% | $0 | $490.1M |
First Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31313) · FFIEC NIC profile (RSSD 384278)