First Federal Savings and Loan Association of Lorain: 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 Other borrowed money: 70.0% higher than in Q1 2026, at $17.0M. Within Ohio, First Federal Savings and Loan Association of Lorain is 34th of 156 on loan-to-deposit ratio, 94.25% as of Q2 2026, above the middle of the field. First Federal Savings and Loan Association of Lorain reported 94.25% on loan-to-deposit ratio for Q2 2026, 13.42 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.7M |
| 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 | $17.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.25% |
| Net loans and leases to deposits | 93.86% |
| Loans and leases to core deposits | 99.63% |
| Core deposits to total deposits | 74.69% |
| Brokered deposits to total deposits | 19.91% |
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 | 84.62% | 93.19% | $0 | $52.0M |
| Q4 2023 | 84.60% | 93.50% | $0 | $54.0M |
| Q1 2024 | 84.43% | 92.97% | $0 | $54.0M |
| Q2 2024 | 83.02% | 92.87% | $0 | $49.0M |
| Q3 2024 | 85.10% | 92.91% | $0 | $49.0M |
| Q4 2024 | 83.79% | 92.73% | $0 | $34.0M |
| Q1 2025 | 86.05% | 92.80% | $0 | $34.0M |
| Q2 2025 | 85.08% | 93.43% | $0 | $20.0M |
| Q3 2025 | 89.10% | 77.04% | $0 | $20.0M |
| Q4 2025 | 88.66% | 74.49% | $0 | $10.0M |
| Q1 2026 | 91.36% | 74.81% | $0 | $10.0M |
| Q2 2026 | 94.25% | 74.69% | $0 | $17.0M |
First Federal Savings and Loan Association of Lorain 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 Lorain, 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 Lorain profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29838) · FFIEC NIC profile (RSSD 144678)