First Federal Bank & Trust: 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.
Cash and balances due from depository institutions dropped 23.5% in Q2 2026, from $44.2M to $33.8M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Federal Bank & Trust ranks 3rd highest among the 23 banks headquartered in Wyoming, at 88.01% (Q2 2026). First Federal Bank & Trust reported 88.01% on loan-to-deposit ratio for Q2 2026, 7.18 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.0M |
| 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 | 88.01% |
| Net loans and leases to deposits | 86.81% |
| Loans and leases to core deposits | 98.04% |
| Core deposits to total deposits | 89.77% |
| 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 | 93.14% | 80.56% | $0 | $19.2M |
| Q4 2023 | 85.51% | 79.66% | $0 | $0 |
| Q1 2024 | 82.19% | 83.49% | $0 | $0 |
| Q2 2024 | 89.08% | 82.16% | $0 | $10.0M |
| Q3 2024 | 87.27% | 82.99% | $0 | $0 |
| Q4 2024 | 87.58% | 86.93% | $0 | $0 |
| Q1 2025 | 87.72% | 86.70% | $0 | $0 |
| Q2 2025 | 90.61% | 86.19% | $0 | $10.0M |
| Q3 2025 | 89.62% | 89.88% | $0 | $0 |
| Q4 2025 | 91.30% | 89.72% | $0 | $0 |
| Q1 2026 | 86.20% | 89.60% | $0 | $0 |
| Q2 2026 | 88.01% | 89.77% | $0 | $0 |
First Federal Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29537) · FFIEC NIC profile (RSSD 387671)