First Independence Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
On its Q2 2026 filing, First Independence Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $99.3M in Q2 2026, up 31.1% from $75.7M in Q2 2025. That is 11.3% of its total assets. Across the 12 quarters shown it ranged from $39.0M (Q2 2024) to $99.3M (Q2 2026).
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.36 percentage points lower than in Q1 2026, at 80.39%. Within Michigan, First Independence Bank is 45th of 72 on loan-to-deposit ratio, 76.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Independence Bank sits 4.45 points lower, at 76.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $99.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $250.0M |
| Fed funds sold and reverse repos | $25.2M |
| Fed funds sold and reverse repos to assets | 2.88% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.0M |
| Other borrowed money | $49.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.11% |
| Net loans and leases to deposits | 74.59% |
| Loans and leases to core deposits | 80.39% |
| Core deposits to total deposits | 75.10% |
| Brokered deposits to total deposits | 19.57% |
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 | 78.74% | 60.50% | $10.0M | $48.3M |
| Q4 2023 | 78.63% | 57.65% | $4.0M | $51.7M |
| Q1 2024 | 74.96% | 58.35% | $4.0M | $52.2M |
| Q2 2024 | 82.87% | 58.26% | $4.0M | $57.8M |
| Q3 2024 | 76.12% | 79.73% | $4.0M | $63.2M |
| Q4 2024 | 77.97% | 78.07% | $4.0M | $65.9M |
| Q1 2025 | 70.92% | 74.81% | $4.0M | $78.0M |
| Q2 2025 | 74.60% | 77.13% | $4.0M | $78.3M |
| Q3 2025 | 74.41% | 74.04% | $4.0M | $71.6M |
| Q4 2025 | 79.11% | 72.23% | $4.0M | $63.8M |
| Q1 2026 | 80.41% | 74.31% | $4.0M | $69.6M |
| Q2 2026 | 76.11% | 75.10% | $3.0M | $49.6M |
First Independence Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Independence Bank, freeSource: Call Report Schedules RC and RC-M, Q2 2026. How these pages are built. See the full First Independence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20179) · FFIEC NIC profile (RSSD 254849)