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 Core deposits to total deposits: 4.24 percentage points higher than in Q1 2026, at 79.27%. First Federal Savings and Loan Association has the highest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, 130.08% as of Q2 2026. First Federal Savings and Loan Association's loan-to-deposit ratio of 130.08% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 62.45 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $6.4M |
| Fed funds sold and reverse repos | $991K |
| Fed funds sold and reverse repos to assets | 1.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 130.08% |
| Net loans and leases to deposits | 129.14% |
| Loans and leases to core deposits | 140.34% |
| Core deposits to total deposits | 79.27% |
| Brokered deposits to total deposits | 13.41% |
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 | 140.72% | 72.86% | $0 | $13.2M |
| Q4 2023 | 143.12% | 72.80% | $0 | $13.4M |
| Q1 2024 | 169.09% | 84.86% | $0 | $22.8M |
| Q2 2024 | 150.09% | 71.82% | $0 | $17.1M |
| Q3 2024 | 146.68% | 71.62% | $0 | $14.9M |
| Q4 2024 | 144.69% | 71.63% | $0 | $13.9M |
| Q1 2025 | 138.98% | 72.20% | $0 | $11.8M |
| Q2 2025 | 130.63% | 68.46% | $0 | $7.7M |
| Q3 2025 | 134.14% | 65.73% | $0 | $8.7M |
| Q4 2025 | 131.19% | 71.38% | $0 | $8.0M |
| Q1 2026 | 128.28% | 75.03% | $0 | $7.5M |
| Q2 2026 | 130.08% | 79.27% | $0 | $6.2M |
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 31197) · FFIEC NIC profile (RSSD 831875)