First Federal Bank of Ohio: 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: 100.0% higher than in Q1 2026, at $6.0M. First Federal Bank of Ohio has the 9th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 52.29% as of Q2 2026. First Federal Bank of Ohio reported 52.29% on loan-to-deposit ratio for Q2 2026, 28.66 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $145.7M |
| 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 | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.29% |
| Net loans and leases to deposits | 52.04% |
| Loans and leases to core deposits | 55.25% |
| Core deposits to total deposits | 94.65% |
| 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 | 47.55% | 94.52% | $0 | $0 |
| Q4 2023 | 48.82% | 93.95% | $0 | $0 |
| Q1 2024 | 49.00% | 93.57% | $0 | $0 |
| Q2 2024 | 50.71% | 93.49% | $0 | $0 |
| Q3 2024 | 49.87% | 93.30% | $0 | $0 |
| Q4 2024 | 49.19% | 91.53% | $0 | $0 |
| Q1 2025 | 48.79% | 93.94% | $0 | $0 |
| Q2 2025 | 49.77% | 94.69% | $0 | $0 |
| Q3 2025 | 50.59% | 94.60% | $0 | $0 |
| Q4 2025 | 51.58% | 94.77% | $0 | $0 |
| Q1 2026 | 51.46% | 94.77% | $0 | $3.0M |
| Q2 2026 | 52.29% | 94.65% | $0 | $6.0M |
First Federal Bank of Ohio 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 of Ohio, 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 of Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27643) · FFIEC NIC profile (RSSD 207470)