First Mutual Bank, FSB: 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 Core deposits to total deposits: 0.79 percentage points higher than in Q1 2026, at 96.54%. First Mutual Bank, FSB ranks 106th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 74.91% (Q2 2026). First Mutual Bank, FSB reported 74.91% on loan-to-deposit ratio for Q2 2026, 5.64 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.0M |
| 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 | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.91% |
| Net loans and leases to deposits | 74.34% |
| Loans and leases to core deposits | 77.60% |
| Core deposits to total deposits | 96.54% |
| 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 | 72.18% | 97.15% | $0 | $10.5M |
| Q4 2023 | 72.75% | 97.12% | $0 | $13.5M |
| Q1 2024 | 70.55% | 96.83% | $0 | $35.0M |
| Q2 2024 | 74.09% | 96.77% | $0 | $35.0M |
| Q3 2024 | 76.02% | 97.41% | $0 | $12.0M |
| Q4 2024 | 78.74% | 97.93% | $0 | $12.0M |
| Q1 2025 | 76.92% | 97.60% | $0 | $10.0M |
| Q2 2025 | 80.73% | 96.76% | $0 | $11.5M |
| Q3 2025 | 79.49% | 95.59% | $0 | $10.0M |
| Q4 2025 | 76.02% | 95.50% | $0 | $10.0M |
| Q1 2026 | 74.66% | 95.75% | $0 | $8.0M |
| Q2 2026 | 74.91% | 96.54% | $0 | $8.0M |
First Mutual Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Mutual Bank, FSB, 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 Mutual Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29617) · FFIEC NIC profile (RSSD 493077)