First Financial Bank in Winnebago: 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 Other borrowed money: 99.9% higher than in Q1 2026, at $3.6M. First Financial Bank in Winnebago ranks 143rd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 73.22% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Financial Bank in Winnebago sits 5.60 points higher, at 73.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.2M |
| Fed funds sold and reverse repos | $225K |
| Fed funds sold and reverse repos to assets | 0.39% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.22% |
| Net loans and leases to deposits | 72.45% |
| Loans and leases to core deposits | 74.53% |
| Core deposits to total deposits | 98.24% |
| 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 | 73.72% | 99.28% | $0 | $3.6M |
| Q4 2023 | 76.03% | 99.28% | $100K | $4.2M |
| Q1 2024 | 72.43% | 97.93% | $0 | $3.2M |
| Q2 2024 | 77.53% | 97.90% | $0 | $6.8M |
| Q3 2024 | 76.12% | 97.32% | $0 | $4.3M |
| Q4 2024 | 75.30% | 97.36% | $850K | $2.0M |
| Q1 2025 | 72.07% | 96.31% | $0 | $2.0M |
| Q2 2025 | 76.13% | 96.77% | $0 | $5.0M |
| Q3 2025 | 78.10% | 96.59% | $0 | $5.7M |
| Q4 2025 | 73.03% | 96.66% | $190K | $3.5M |
| Q1 2026 | 71.92% | 97.40% | $175K | $1.8M |
| Q2 2026 | 73.22% | 98.24% | $0 | $3.6M |
First Financial Bank in Winnebago 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 in Winnebago, 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 in Winnebago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5278) · FFIEC NIC profile (RSSD 840354)