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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.04 percentage points higher than in Q1 2026, at 83.87%. Within West Virginia, First Federal Savings and Loan Association is 19th of 41 on loan-to-deposit ratio, 83.87% as of Q2 2026, above the middle of the field. First Federal Savings and Loan Association reported 83.87% on loan-to-deposit ratio for Q2 2026, 15.95 points above the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $6.2M |
| 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 | 83.87% |
| Net loans and leases to deposits | 83.39% |
| Loans and leases to core deposits | 100.20% |
| Core deposits to total deposits | 83.70% |
| 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 | 93.99% | 88.93% | $0 | $0 |
| Q4 2023 | 91.07% | 87.76% | $0 | $0 |
| Q1 2024 | 91.62% | 87.93% | $0 | $0 |
| Q2 2024 | 93.87% | 85.16% | $0 | $0 |
| Q3 2024 | 93.17% | 86.11% | $0 | $0 |
| Q4 2024 | 89.01% | 82.62% | $0 | $0 |
| Q1 2025 | 87.89% | 82.73% | $0 | $0 |
| Q2 2025 | 86.58% | 84.00% | $0 | $0 |
| Q3 2025 | 85.10% | 84.04% | $0 | $0 |
| Q4 2025 | 83.84% | 83.25% | $0 | $0 |
| Q1 2026 | 81.84% | 83.22% | $0 | $0 |
| Q2 2026 | 83.87% | 83.70% | $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 29490) · FFIEC NIC profile (RSSD 441470)