First Federal Bank, a FSB: 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.
Loans and leases to core deposits dropped 12.42 percentage points in Q2 2026, from 164.71% to 152.29%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, First Federal Bank, a FSB ranks first in Alabama on loan-to-deposit ratio among 93 banks, at 126.18%. First Federal Bank, a FSB's loan-to-deposit ratio of 126.18% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 45.35 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.7M |
| 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 | $42.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 23.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 126.18% |
| Net loans and leases to deposits | 125.05% |
| Loans and leases to core deposits | 152.29% |
| Core deposits to total deposits | 82.86% |
| 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 | 132.15% | 85.14% | $0 | $49.0M |
| Q4 2023 | 136.34% | 85.59% | $0 | $47.8M |
| Q1 2024 | 129.53% | 85.71% | $0 | $45.0M |
| Q2 2024 | 126.24% | 86.74% | $0 | $44.6M |
| Q3 2024 | 115.13% | 86.68% | $0 | $31.9M |
| Q4 2024 | 112.88% | 84.71% | $0 | $26.7M |
| Q1 2025 | 118.86% | 84.19% | $0 | $35.2M |
| Q2 2025 | 125.93% | 83.04% | $0 | $43.2M |
| Q3 2025 | 126.74% | 82.73% | $0 | $41.2M |
| Q4 2025 | 130.48% | 82.20% | $0 | $43.8M |
| Q1 2026 | 133.88% | 81.28% | $0 | $47.1M |
| Q2 2026 | 126.18% | 82.86% | $0 | $42.3M |
First Federal Bank, a FSB 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, a FSB, 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, a FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31127) · FFIEC NIC profile (RSSD 814074)