First Federal Savings and Loan Association of Delta: 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 2.20 percentage points in Q2 2026, from 54.87% to 57.07%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Federal Savings and Loan Association of Delta is 15th from the bottom among 156 Ohio banks, 56.18% (Q2 2026). 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 Delta sits 24.66 points lower, at 56.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.9M |
| 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 | 56.18% |
| Net loans and leases to deposits | 55.84% |
| Loans and leases to core deposits | 57.07% |
| Core deposits to total deposits | 98.43% |
| 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 | 49.90% | 99.14% | $0 | $0 |
| Q4 2023 | 48.89% | 99.28% | $0 | $0 |
| Q1 2024 | 49.62% | 99.27% | $0 | $0 |
| Q2 2024 | 50.48% | 99.33% | $0 | $0 |
| Q3 2024 | 51.22% | 99.13% | $0 | $0 |
| Q4 2024 | 50.68% | 99.15% | $0 | $0 |
| Q1 2025 | 50.50% | 99.03% | $0 | $0 |
| Q2 2025 | 49.88% | 98.79% | $0 | $0 |
| Q3 2025 | 51.82% | 98.62% | $0 | $0 |
| Q4 2025 | 53.22% | 98.64% | $0 | $0 |
| Q1 2026 | 54.00% | 98.41% | $0 | $0 |
| Q2 2026 | 56.18% | 98.43% | $0 | $0 |
First Federal Savings and Loan Association of Delta 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 Delta, 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 Delta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29345) · FFIEC NIC profile (RSSD 80374)