First National Bank and Trust Company: 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 purchased and repos: 67.6% higher than in Q1 2026, at $12.2M. First National Bank and Trust Company has the 18th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 43.02% as of Q2 2026. First National Bank and Trust Company reported 43.02% on loan-to-deposit ratio for Q2 2026, 37.82 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 | $8.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $201.5M |
| 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 | $12.2M |
| 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 | 43.02% |
| Net loans and leases to deposits | 42.71% |
| Loans and leases to core deposits | 46.76% |
| Core deposits to total deposits | 65.96% |
| Brokered deposits to total deposits | 27.98% |
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 | 38.40% | 77.03% | $18.1M | $10.0M |
| Q4 2023 | 33.47% | 66.99% | $0 | $0 |
| Q1 2024 | 33.89% | 68.45% | $3.4M | $0 |
| Q2 2024 | 32.16% | 68.51% | $0 | $0 |
| Q3 2024 | 31.54% | 68.79% | $0 | $0 |
| Q4 2024 | 31.29% | 67.36% | $2.0M | $0 |
| Q1 2025 | 31.78% | 67.22% | $1.2M | $0 |
| Q2 2025 | 31.75% | 66.63% | $9.3M | $0 |
| Q3 2025 | 38.39% | 65.86% | $6.3M | $0 |
| Q4 2025 | 38.55% | 65.82% | $9.0M | $0 |
| Q1 2026 | 40.32% | 66.02% | $7.3M | $0 |
| Q2 2026 | 43.02% | 65.96% | $12.2M | $0 |
First National Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3639) · FFIEC NIC profile (RSSD 32234)