First National Bank in Cimarron: 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 Cash and balances due from depository institutions: 58.1% lower than in Q1 2026, at $2.1M. Within Kansas, First National Bank in Cimarron is 154th of 182 on loan-to-deposit ratio, 54.00% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank in Cimarron sits 26.94 points lower, at 54.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.3M |
| 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 | $225K |
| Other borrowed money | $100K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.00% |
| Net loans and leases to deposits | 53.44% |
| Loans and leases to core deposits | 65.04% |
| Core deposits to total deposits | 83.03% |
| 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 | 46.83% | 92.53% | $0 | $663K |
| Q4 2023 | 40.50% | 93.12% | $0 | $455K |
| Q1 2024 | 51.06% | 92.15% | $0 | $353K |
| Q2 2024 | 53.06% | 91.28% | $0 | $353K |
| Q3 2024 | 55.81% | 90.63% | $425K | $4.2M |
| Q4 2024 | 53.53% | 89.13% | $0 | $1.1M |
| Q1 2025 | 55.60% | 88.00% | $0 | $1.1M |
| Q2 2025 | 54.34% | 87.79% | $0 | $1.1M |
| Q3 2025 | 56.65% | 86.81% | $0 | $3.8M |
| Q4 2025 | 47.48% | 88.79% | $0 | $390K |
| Q1 2026 | 51.91% | 83.77% | $0 | $100K |
| Q2 2026 | 54.00% | 83.03% | $225K | $100K |
First National Bank in Cimarron 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 in Cimarron, 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 in Cimarron profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4638) · FFIEC NIC profile (RSSD 677354)