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.
Loan-to-deposit ratio climbed 3.26 percentage points in Q2 2026, from 89.54% to 92.80%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings Bank ranks 48th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 92.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings Bank sits 11.96 points higher, at 92.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.1M |
| 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 | $0 |
| Other borrowed money | $47.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.80% |
| Net loans and leases to deposits | 91.60% |
| Loans and leases to core deposits | 97.89% |
| Core deposits to total deposits | 94.49% |
| Brokered deposits to total deposits | 0.31% |
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 | 95.99% | 96.08% | $0 | $45.9M |
| Q4 2023 | 95.81% | 96.28% | $0 | $40.3M |
| Q1 2024 | 94.96% | 96.28% | $0 | $43.7M |
| Q2 2024 | 96.40% | 94.80% | $0 | $43.2M |
| Q3 2024 | 98.44% | 94.85% | $0 | $48.1M |
| Q4 2024 | 91.14% | 92.64% | $0 | $48.0M |
| Q1 2025 | 82.19% | 94.41% | $0 | $47.8M |
| Q2 2025 | 86.52% | 93.56% | $0 | $47.7M |
| Q3 2025 | 88.43% | 93.15% | $0 | $47.6M |
| Q4 2025 | 87.83% | 93.68% | $0 | $47.4M |
| Q1 2026 | 89.54% | 93.63% | $0 | $47.3M |
| Q2 2026 | 92.80% | 94.49% | $0 | $47.2M |
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 28924) · FFIEC NIC profile (RSSD 771878)