First Financial 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 climbed 2.93 percentage points in Q2 2026, from 77.32% to 80.25%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, First Financial Bank is 96th of 156 on loan-to-deposit ratio, 77.34% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. First Financial Bank sits 9.49 points lower, at 77.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 3.49% |
| Cash and securities | $5.57B |
| 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 | $633.0M |
| Subordinated notes and debentures | $7.5M |
| Other borrowed money to assets | 2.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.34% |
| Net loans and leases to deposits | 76.28% |
| Loans and leases to core deposits | 80.25% |
| Core deposits to total deposits | 89.44% |
| Brokered deposits to total deposits | 6.93% |
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 | 81.74% | 87.58% | $0 | $1.00B |
| Q4 2023 | 81.04% | 87.52% | $0 | $969.4M |
| Q1 2024 | 82.37% | 87.29% | $0 | $892.6M |
| Q2 2024 | 83.35% | 86.02% | $0 | $1.20B |
| Q3 2024 | 81.73% | 85.97% | $0 | $842.4M |
| Q4 2024 | 80.91% | 87.30% | $0 | $789.6M |
| Q1 2025 | 81.34% | 87.60% | $0 | $832.4M |
| Q2 2025 | 80.75% | 87.31% | $0 | $715.8M |
| Q3 2025 | 80.33% | 86.86% | $0 | $623.0M |
| Q4 2025 | 80.18% | 87.73% | $0 | $699.5M |
| Q1 2026 | 74.53% | 88.71% | $0 | $641.8M |
| Q2 2026 | 77.34% | 89.44% | $0 | $633.0M |
First Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6600) · FFIEC NIC profile (RSSD 165628)