First Federal Savings Bank of Champaign-Urbana: 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 Loans and leases to core deposits: 7.17 percentage points higher than in Q1 2026, at 71.97%. Within Illinois, First Federal Savings Bank of Champaign-Urbana is 196th of 323 on loan-to-deposit ratio, 71.57% as of Q2 2026, below the middle of the field. First Federal Savings Bank of Champaign-Urbana reported 71.57% on loan-to-deposit ratio for Q2 2026, 9.27 points below 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.5M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.57% |
| Net loans and leases to deposits | 70.92% |
| Loans and leases to core deposits | 71.97% |
| Core deposits to total deposits | 99.45% |
| Brokered deposits to total deposits | 0.00% |
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 | 56.86% | 99.32% | $0 | $0 |
| Q4 2023 | 56.41% | 99.31% | $0 | $0 |
| Q1 2024 | 56.45% | 99.34% | $0 | $0 |
| Q2 2024 | 60.80% | 99.32% | $0 | $0 |
| Q3 2024 | 65.79% | 99.29% | $0 | $0 |
| Q4 2024 | 65.28% | 99.30% | $0 | $0 |
| Q1 2025 | 63.71% | 99.33% | $0 | $0 |
| Q2 2025 | 68.06% | 99.29% | $0 | $0 |
| Q3 2025 | 70.35% | 99.43% | $0 | $0 |
| Q4 2025 | 64.99% | 99.47% | $0 | $0 |
| Q1 2026 | 64.46% | 99.48% | $0 | $0 |
| Q2 2026 | 71.57% | 99.45% | $0 | $0 |
First Federal Savings Bank of Champaign-Urbana 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 of Champaign-Urbana, 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 of Champaign-Urbana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28445) · FFIEC NIC profile (RSSD 346771)