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: 5.66 percentage points lower than in Q1 2026, at 11.13%. Within Indiana, First Federal Savings Bank is 28th of 87 on loan-to-deposit ratio, 90.81% as of Q2 2026, above the middle of the field. First Federal Savings Bank reported 90.81% on loan-to-deposit ratio for Q2 2026, 9.98 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 | $18.1M |
| Cash and noninterest-bearing balances to assets | 3.14% |
| Cash and securities | $106.1M |
| 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 | $5.0M |
| Other borrowed money | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.81% |
| Net loans and leases to deposits | 89.77% |
| Loans and leases to core deposits | 98.68% |
| Core deposits to total deposits | 80.99% |
| Brokered deposits to total deposits | 11.13% |
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 | 95.33% | 75.55% | $0 | $90.0M |
| Q4 2023 | 97.67% | 73.29% | $0 | $105.0M |
| Q1 2024 | 100.62% | 72.60% | $0 | $110.0M |
| Q2 2024 | 102.53% | 71.67% | $0 | $113.0M |
| Q3 2024 | 102.01% | 70.87% | $0 | $104.0M |
| Q4 2024 | 100.26% | 72.94% | $0 | $98.5M |
| Q1 2025 | 94.05% | 68.03% | $0 | $67.0M |
| Q2 2025 | 91.81% | 68.96% | $0 | $60.0M |
| Q3 2025 | 92.08% | 72.65% | $0 | $60.0M |
| Q4 2025 | 93.14% | 75.52% | $0 | $60.0M |
| Q1 2026 | 94.24% | 76.35% | $4.0M | $60.0M |
| Q2 2026 | 90.81% | 80.99% | $5.0M | $40.0M |
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 29056) · FFIEC NIC profile (RSSD 613679)