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 1.15 percentage points in Q2 2026, from 58.90% to 60.05%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First Financial Bank is 70th of 93 on loan-to-deposit ratio, 56.13% as of Q2 2026, below the middle of the field. First Financial Bank reported 56.13% on loan-to-deposit ratio for Q2 2026, 24.71 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 | $20.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.1M |
| 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 | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.13% |
| Net loans and leases to deposits | 55.56% |
| Loans and leases to core deposits | 60.05% |
| Core deposits to total deposits | 93.47% |
| 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 | 51.97% | 97.66% | $0 | $1.2M |
| Q4 2023 | 54.53% | 97.55% | $0 | $6.0M |
| Q1 2024 | 53.35% | 97.27% | $0 | $6.0M |
| Q2 2024 | 53.41% | 96.99% | $0 | $6.0M |
| Q3 2024 | 52.04% | 96.25% | $0 | $6.0M |
| Q4 2024 | 51.38% | 96.10% | $0 | $0 |
| Q1 2025 | 48.95% | 96.05% | $0 | $0 |
| Q2 2025 | 49.24% | 95.04% | $0 | $0 |
| Q3 2025 | 52.92% | 94.68% | $0 | $0 |
| Q4 2025 | 54.35% | 93.83% | $0 | $0 |
| Q1 2026 | 55.16% | 93.65% | $0 | $0 |
| Q2 2026 | 56.13% | 93.47% | $0 | $2.0M |
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 19440) · FFIEC NIC profile (RSSD 292234)