First Federal Savings and Loan Association of Central Illinois, S.B.: 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: 2.91 percentage points lower than in Q1 2026, at 85.17%. Within Illinois, First Federal Savings and Loan Association of Central Illinois, S.B. is 105th of 323 on loan-to-deposit ratio, 83.38% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings and Loan Association of Central Illinois, S.B. sits 2.54 points higher, at 83.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.7M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 1.67% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.38% |
| Net loans and leases to deposits | 82.39% |
| Loans and leases to core deposits | 92.43% |
| Core deposits to total deposits | 85.17% |
| Brokered deposits to total deposits | 5.04% |
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 | 87.39% | 92.79% | $0 | $13.4M |
| Q4 2023 | 86.53% | 89.36% | $0 | $11.5M |
| Q1 2024 | 86.59% | 89.17% | $0 | $9.2M |
| Q2 2024 | 85.53% | 88.59% | $0 | $9.4M |
| Q3 2024 | 83.76% | 89.44% | $0 | $8.7M |
| Q4 2024 | 80.71% | 89.65% | $0 | $8.4M |
| Q1 2025 | 79.51% | 89.39% | $0 | $8.2M |
| Q2 2025 | 84.84% | 89.16% | $0 | $7.9M |
| Q3 2025 | 85.76% | 88.62% | $0 | $9.6M |
| Q4 2025 | 86.94% | 88.03% | $0 | $11.4M |
| Q1 2026 | 84.78% | 88.08% | $0 | $7.1M |
| Q2 2026 | 83.38% | 85.17% | $0 | $6.8M |
First Federal Savings and Loan Association of Central Illinois, S.B. 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 of Central Illinois, S.B., 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 of Central Illinois, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29645) · FFIEC NIC profile (RSSD 399973)