First National 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.
Cash and balances due from depository institutions dropped 39.5% in Q2 2026, from $53.7M to $32.5M. It was the largest change from Q1 2026 among the key lines here. First National Bank ranks 18th of 22 Maine banks on loan-to-deposit ratio, in the lower half at 90.42% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First National Bank reported 90.42% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.5M |
| Cash and noninterest-bearing balances to assets | 1.02% |
| Cash and securities | $660.6M |
| 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 | $58.3M |
| Other borrowed money | $155.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.42% |
| Net loans and leases to deposits | 89.50% |
| Loans and leases to core deposits | 95.55% |
| Core deposits to total deposits | 64.73% |
| Brokered deposits to total deposits | 31.52% |
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 | 79.99% | 70.82% | $52.9M | $30.1M |
| Q4 2023 | 81.89% | 68.43% | $49.6M | $20.1M |
| Q1 2024 | 85.26% | 67.78% | $47.8M | $106.9M |
| Q2 2024 | 87.16% | 65.44% | $56.5M | $174.1M |
| Q3 2024 | 85.34% | 67.61% | $56.0M | $95.0M |
| Q4 2024 | 85.86% | 65.97% | $51.3M | $95.0M |
| Q1 2025 | 87.87% | 65.44% | $55.5M | $129.9M |
| Q2 2025 | 88.46% | 64.43% | $65.0M | $131.1M |
| Q3 2025 | 87.60% | 68.33% | $57.5M | $95.5M |
| Q4 2025 | 89.81% | 70.19% | $50.3M | $137.5M |
| Q1 2026 | 90.24% | 66.53% | $51.8M | $144.0M |
| Q2 2026 | 90.42% | 64.73% | $58.3M | $155.8M |
First National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4256) · FFIEC NIC profile (RSSD 439404)