First National Bank in Frankfort: 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.
Loans and leases to core deposits climbed 3.97 percentage points in Q2 2026, from 57.66% to 61.63%. It was the largest change from Q1 2026 among the key lines here. First National Bank in Frankfort ranks 151st of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 56.21% (Q2 2026). First National Bank in Frankfort reported 56.21% on loan-to-deposit ratio for Q2 2026, 11.71 points below the 67.92% median for banks in the < $100M asset tier.
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 | $27.5M |
| 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 | $1.9M |
| 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 | 56.21% |
| Net loans and leases to deposits | 55.40% |
| Loans and leases to core deposits | 61.63% |
| Core deposits to total deposits | 91.20% |
| 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 | 51.62% | 94.92% | $281K | $3.5M |
| Q4 2023 | 51.54% | 92.92% | $1.2M | $3.5M |
| Q1 2024 | 52.03% | 91.42% | $0 | $3.5M |
| Q2 2024 | 50.63% | 88.61% | $970K | $1.0M |
| Q3 2024 | 52.96% | 89.99% | $0 | $1.0M |
| Q4 2024 | 50.90% | 89.58% | $0 | $0 |
| Q1 2025 | 50.92% | 89.43% | $0 | $0 |
| Q2 2025 | 53.36% | 89.34% | $0 | $0 |
| Q3 2025 | 57.80% | 89.34% | $685K | $0 |
| Q4 2025 | 54.99% | 91.64% | $0 | $0 |
| Q1 2026 | 52.83% | 91.62% | $0 | $0 |
| Q2 2026 | 56.21% | 91.20% | $1.9M | $0 |
First National Bank in Frankfort 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 Frankfort, 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 Frankfort profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4668) · FFIEC NIC profile (RSSD 923350)