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.
Loan-to-deposit ratio climbed 2.89 percentage points in Q2 2026, from 56.77% to 59.66%. It was the largest change from Q1 2026 among the key lines here. First National Bank has the 6th lowest loan-to-deposit ratio of the 87 banks headquartered in Indiana, at 59.66% as of Q2 2026. First National Bank reported 59.66% on loan-to-deposit ratio for Q2 2026, 21.18 points below 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 | $62.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $175.0M |
| Fed funds sold and reverse repos | $48K |
| Fed funds sold and reverse repos to assets | 0.01% |
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 | 59.66% |
| Net loans and leases to deposits | 58.53% |
| Loans and leases to core deposits | 61.02% |
| Core deposits to total deposits | 97.78% |
| 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 | 51.30% | 97.84% | $0 | $0 |
| Q4 2023 | 51.04% | 97.55% | $0 | $0 |
| Q1 2024 | 52.81% | 97.44% | $0 | $0 |
| Q2 2024 | 54.24% | 97.52% | $0 | $0 |
| Q3 2024 | 54.64% | 97.48% | $0 | $0 |
| Q4 2024 | 55.30% | 97.80% | $0 | $0 |
| Q1 2025 | 54.29% | 97.65% | $0 | $0 |
| Q2 2025 | 52.81% | 97.75% | $0 | $0 |
| Q3 2025 | 55.45% | 97.49% | $0 | $0 |
| Q4 2025 | 57.83% | 97.64% | $0 | $0 |
| Q1 2026 | 56.77% | 97.65% | $0 | $0 |
| Q2 2026 | 59.66% | 97.78% | $0 | $0 |
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 4324) · FFIEC NIC profile (RSSD 60648)