First National Bank Colorado: 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.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $8.6M to $0. It was the largest change from Q1 2026 among the key lines here. Within Colorado, First National Bank Colorado is 36th of 63 on loan-to-deposit ratio, 78.64% as of Q2 2026, below the middle of the field. At 78.64%, First National Bank Colorado's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.0M |
| Cash and noninterest-bearing balances to assets | 1.25% |
| Cash and securities | $191.8M |
| 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 | $2.0M |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.64% |
| Net loans and leases to deposits | 77.34% |
| Loans and leases to core deposits | 90.15% |
| Core deposits to total deposits | 87.23% |
| 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 | 70.97% | 93.89% | $5.0M | $20.0M |
| Q4 2023 | 65.31% | 92.93% | $0 | $20.0M |
| Q1 2024 | 69.75% | 91.00% | $0 | $20.0M |
| Q2 2024 | 70.37% | 90.58% | $1.0M | $20.0M |
| Q3 2024 | 72.33% | 85.39% | $20.0M | $20.0M |
| Q4 2024 | 68.03% | 85.18% | $20.0M | $10.0M |
| Q1 2025 | 69.95% | 84.28% | $0 | $30.0M |
| Q2 2025 | 70.82% | 84.03% | $0 | $30.0M |
| Q3 2025 | 72.81% | 86.81% | $1.8M | $30.0M |
| Q4 2025 | 69.06% | 88.55% | $0 | $30.0M |
| Q1 2026 | 74.06% | 87.36% | $0 | $30.0M |
| Q2 2026 | 78.64% | 87.23% | $2.0M | $30.0M |
First National Bank Colorado 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 Colorado, 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 Colorado profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3034) · FFIEC NIC profile (RSSD 513256)