First Federal Savings and Loan Bank: 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 dropped 2.22 percentage points in Q2 2026, from 115.53% to 113.32%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, First Federal Savings and Loan Bank is 24th of 182 on loan-to-deposit ratio, 94.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Federal Savings and Loan Bank sits 13.56 points higher, at 94.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $8.8M |
| Fed funds sold and reverse repos | $13.5M |
| Fed funds sold and reverse repos to assets | 12.32% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.51% |
| Net loans and leases to deposits | 93.40% |
| Loans and leases to core deposits | 113.32% |
| Core deposits to total deposits | 44.74% |
| Brokered deposits to total deposits | 40.18% |
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 | 113.04% | 42.40% | $0 | $4.7M |
| Q4 2023 | 110.01% | 42.39% | $0 | $5.5M |
| Q1 2024 | 108.25% | 42.01% | $0 | $5.3M |
| Q2 2024 | 105.53% | 43.85% | $0 | $5.2M |
| Q3 2024 | 104.18% | 41.64% | $0 | $5.0M |
| Q4 2024 | 104.07% | 41.84% | $0 | $4.8M |
| Q1 2025 | 98.90% | 42.67% | $0 | $4.7M |
| Q2 2025 | 94.91% | 40.55% | $0 | $4.5M |
| Q3 2025 | 98.26% | 39.22% | $0 | $4.4M |
| Q4 2025 | 99.87% | 42.29% | $0 | $4.2M |
| Q1 2026 | 96.54% | 43.94% | $0 | $4.1M |
| Q2 2026 | 94.51% | 44.74% | $0 | $3.9M |
First Federal Savings and Loan Bank 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 Bank, 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28635) · FFIEC NIC profile (RSSD 198073)