First Midwest Bank of the Ozarks: 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.
Cash and balances due from depository institutions dropped 49.2% in Q2 2026, from $58.5M to $29.7M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, First Midwest Bank of the Ozarks is 28th of 192 on loan-to-deposit ratio, 98.09% as of Q2 2026, above the middle of the field. First Midwest Bank of the Ozarks reported 98.09% on loan-to-deposit ratio for Q2 2026, 17.25 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.5M |
| 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 | $4.4M |
| Other borrowed money | $43K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.09% |
| Net loans and leases to deposits | 96.85% |
| Loans and leases to core deposits | 110.19% |
| Core deposits to total deposits | 89.02% |
| 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 | 99.63% | 88.68% | $5.5M | $28.5M |
| Q4 2023 | 99.55% | 89.00% | $4.0M | $25.1M |
| Q1 2024 | 98.62% | 88.73% | $4.8M | $25.1M |
| Q2 2024 | 97.57% | 89.40% | $3.2M | $13.1M |
| Q3 2024 | 99.13% | 89.14% | $2.3M | $12.6M |
| Q4 2024 | 98.80% | 88.58% | $3.6M | $7.1M |
| Q1 2025 | 97.04% | 88.53% | $2.6M | $11.1M |
| Q2 2025 | 95.51% | 88.18% | $4.2M | $79K |
| Q3 2025 | 94.87% | 88.09% | $5.9M | $70K |
| Q4 2025 | 92.44% | 88.42% | $3.9M | $61K |
| Q1 2026 | 93.57% | 88.84% | $4.1M | $52K |
| Q2 2026 | 98.09% | 89.02% | $4.4M | $43K |
First Midwest Bank of the Ozarks liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Midwest Bank of the Ozarks, 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 Midwest Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19212) · FFIEC NIC profile (RSSD 228158)