First National Bank in Fredonia: 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: 54.1% higher than in Q1 2026, at $10.0M. On loan-to-deposit ratio, First National Bank in Fredonia is 5th from the bottom among 182 Kansas banks, 32.78% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, First National Bank in Fredonia reported 32.78% on loan-to-deposit ratio in Q2 2026, 48.06 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.0M |
| 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 | $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 | 32.78% |
| Net loans and leases to deposits | 31.81% |
| Loans and leases to core deposits | 39.91% |
| Core deposits to total deposits | 82.13% |
| 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 | 39.70% | 89.49% | $0 | $0 |
| Q4 2023 | 34.52% | 87.59% | $25K | $0 |
| Q1 2024 | 36.69% | 86.90% | $0 | $0 |
| Q2 2024 | 37.33% | 83.72% | $0 | $0 |
| Q3 2024 | 36.87% | 84.52% | $0 | $0 |
| Q4 2024 | 35.18% | 84.61% | $0 | $0 |
| Q1 2025 | 34.77% | 81.75% | $0 | $0 |
| Q2 2025 | 34.22% | 82.15% | $0 | $0 |
| Q3 2025 | 33.72% | 82.58% | $0 | $0 |
| Q4 2025 | 32.83% | 83.20% | $0 | $0 |
| Q1 2026 | 34.38% | 81.65% | $0 | $0 |
| Q2 2026 | 32.78% | 82.13% | $0 | $0 |
First National Bank in Fredonia 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 Fredonia, 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 Fredonia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13798) · FFIEC NIC profile (RSSD 844455)