First Federal Savings 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 3.47 percentage points lower than in Q1 2026, at 8.37%. On loan-to-deposit ratio, First Federal Savings Bank ranks 3rd highest among the 87 banks headquartered in Indiana, at 109.91% (Q2 2026). First Federal Savings Bank reported 109.91% on loan-to-deposit ratio for Q2 2026, 28.96 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.7M |
| 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 | $75.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.91% |
| Net loans and leases to deposits | 108.78% |
| Loans and leases to core deposits | 137.73% |
| Core deposits to total deposits | 79.80% |
| Brokered deposits to total deposits | 8.37% |
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 | 110.53% | 82.00% | $0 | $95.0M |
| Q4 2023 | 107.15% | 78.34% | $0 | $89.0M |
| Q1 2024 | 104.68% | 77.34% | $0 | $69.0M |
| Q2 2024 | 112.78% | 77.79% | $0 | $100.0M |
| Q3 2024 | 107.09% | 73.38% | $0 | $80.0M |
| Q4 2024 | 107.41% | 74.49% | $0 | $75.0M |
| Q1 2025 | 107.70% | 79.22% | $0 | $65.0M |
| Q2 2025 | 117.90% | 80.98% | $0 | $110.0M |
| Q3 2025 | 116.80% | 79.77% | $0 | $110.0M |
| Q4 2025 | 108.86% | 74.96% | $0 | $75.0M |
| Q1 2026 | 106.64% | 76.45% | $0 | $65.0M |
| Q2 2026 | 109.91% | 79.80% | $0 | $75.0M |
First Federal Savings 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 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31516) · FFIEC NIC profile (RSSD 257578)