First Federal Savings and Loan Association: 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 climbed 6.77 percentage points in Q2 2026, from 139.68% to 146.45%. It was the largest change from Q1 2026 among the key lines here. Among 120 Kentucky banks, First Federal Savings and Loan Association sits 3rd from the top on loan-to-deposit ratio, 121.63% as of Q2 2026. First Federal Savings and Loan Association's loan-to-deposit ratio of 121.63% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 54.01 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.7M |
| 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 | $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 | 121.63% |
| Net loans and leases to deposits | 120.13% |
| Loans and leases to core deposits | 146.45% |
| Core deposits to total deposits | 83.05% |
| 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 | 132.55% | 90.94% | $0 | $0 |
| Q4 2023 | 134.29% | 91.07% | $0 | $1.5M |
| Q1 2024 | 135.54% | 90.49% | $0 | $1.5M |
| Q2 2024 | 135.94% | 87.72% | $0 | $1.5M |
| Q3 2024 | 127.48% | 87.69% | $0 | $1.5M |
| Q4 2024 | 125.41% | 87.17% | $0 | $1.5M |
| Q1 2025 | 129.45% | 89.61% | $0 | $1.5M |
| Q2 2025 | 127.08% | 89.79% | $0 | $1.5M |
| Q3 2025 | 126.81% | 90.12% | $0 | $1.5M |
| Q4 2025 | 123.90% | 88.39% | $0 | $0 |
| Q1 2026 | 123.49% | 88.41% | $0 | $0 |
| Q2 2026 | 121.63% | 83.05% | $0 | $0 |
First Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31409) · FFIEC NIC profile (RSSD 411174)