First Independent 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.40 percentage points lower than in Q1 2026, at 62.05%. First Independent Bank has the 19th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 56.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Independent Bank sits 24.56 points lower, at 56.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.5M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.28% |
| Net loans and leases to deposits | 55.45% |
| Loans and leases to core deposits | 62.05% |
| Core deposits to total deposits | 90.69% |
| 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 | 57.15% | 92.89% | $0 | $0 |
| Q4 2023 | 60.53% | 92.27% | $0 | $3.0M |
| Q1 2024 | 62.61% | 91.65% | $150K | $855K |
| Q2 2024 | 60.89% | 92.00% | $0 | $0 |
| Q3 2024 | 62.10% | 92.16% | $0 | $0 |
| Q4 2024 | 61.77% | 91.74% | $0 | $0 |
| Q1 2025 | 60.24% | 91.86% | $0 | $0 |
| Q2 2025 | 58.44% | 92.05% | $0 | $0 |
| Q3 2025 | 59.48% | 92.16% | $0 | $0 |
| Q4 2025 | 60.16% | 91.80% | $0 | $0 |
| Q1 2026 | 58.64% | 90.99% | $0 | $0 |
| Q2 2026 | 56.28% | 90.69% | $0 | $0 |
First Independent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18380) · FFIEC NIC profile (RSSD 366658)