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.
Other borrowed money climbed 33.5% in Q2 2026, from $82.0M to $109.5M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, First Financial Bank is 8th of 78 on loan-to-deposit ratio, 103.19% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Financial Bank sits 14.98 points higher, at 103.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $86.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $191.1M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $270K |
| Other borrowed money | $109.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.19% |
| Net loans and leases to deposits | 102.09% |
| Loans and leases to core deposits | 122.04% |
| Core deposits to total deposits | 77.60% |
| Brokered deposits to total deposits | 6.95% |
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 | 100.52% | 84.71% | $199K | $123.4M |
| Q4 2023 | 101.30% | 84.31% | $191K | $133.5M |
| Q1 2024 | 99.57% | 81.55% | $187K | $106.0M |
| Q2 2024 | 100.39% | 80.56% | $206K | $106.0M |
| Q3 2024 | 99.13% | 81.18% | $95K | $106.0M |
| Q4 2024 | 97.50% | 80.32% | $341K | $86.0M |
| Q1 2025 | 98.56% | 78.84% | $316K | $46.0M |
| Q2 2025 | 99.19% | 78.08% | $220K | $49.0M |
| Q3 2025 | 99.88% | 77.18% | $379K | $75.0M |
| Q4 2025 | 100.50% | 77.82% | $325K | $49.0M |
| Q1 2026 | 102.12% | 78.62% | $119K | $82.0M |
| Q2 2026 | 103.19% | 77.60% | $270K | $109.5M |
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 28905) · FFIEC NIC profile (RSSD 48374)