First Metro 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 Fed funds sold and reverse repos: 18.7% lower than in Q1 2026, at $48.6M. First Metro Bank ranks 51st of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 67.10% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Metro Bank sits 21.10 points lower, at 67.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $106.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $364.7M |
| Fed funds sold and reverse repos | $48.6M |
| Fed funds sold and reverse repos to assets | 4.80% |
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 | 67.10% |
| Net loans and leases to deposits | 66.44% |
| Loans and leases to core deposits | 82.09% |
| Core deposits to total deposits | 81.74% |
| 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 | 62.93% | 87.49% | $0 | $45.0M |
| Q4 2023 | 63.44% | 86.85% | $0 | $45.0M |
| Q1 2024 | 64.40% | 84.86% | $0 | $60.0M |
| Q2 2024 | 66.01% | 83.62% | $0 | $25.0M |
| Q3 2024 | 64.94% | 81.63% | $0 | $0 |
| Q4 2024 | 64.11% | 82.10% | $0 | $0 |
| Q1 2025 | 63.13% | 82.53% | $0 | $0 |
| Q2 2025 | 62.97% | 82.67% | $0 | $0 |
| Q3 2025 | 65.79% | 82.67% | $0 | $0 |
| Q4 2025 | 65.76% | 82.18% | $0 | $0 |
| Q1 2026 | 66.05% | 81.51% | $0 | $0 |
| Q2 2026 | 67.10% | 81.74% | $0 | $0 |
First Metro Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27381) · FFIEC NIC profile (RSSD 1222519)