First National Bank in New Bremen: 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 Loans and leases to core deposits: 1.71 percentage points lower than in Q1 2026, at 38.63%. First National Bank in New Bremen has the 6th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 35.54% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, First National Bank in New Bremen reported 35.54% on loan-to-deposit ratio in Q2 2026, 45.29 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $239.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $307.5M |
| Fed funds sold and reverse repos | $707K |
| Fed funds sold and reverse repos to assets | 0.15% |
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 | 35.54% |
| Net loans and leases to deposits | 34.88% |
| Loans and leases to core deposits | 38.63% |
| Core deposits to total deposits | 92.00% |
| 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 | 34.63% | 93.79% | $0 | $0 |
| Q4 2023 | 32.55% | 92.13% | $0 | $0 |
| Q1 2024 | 36.78% | 92.45% | $0 | $0 |
| Q2 2024 | 37.25% | 93.17% | $0 | $0 |
| Q3 2024 | 36.54% | 92.40% | $0 | $0 |
| Q4 2024 | 36.93% | 92.93% | $0 | $0 |
| Q1 2025 | 37.44% | 92.76% | $0 | $0 |
| Q2 2025 | 39.31% | 92.69% | $0 | $0 |
| Q3 2025 | 38.96% | 92.45% | $0 | $0 |
| Q4 2025 | 37.20% | 92.02% | $0 | $0 |
| Q1 2026 | 37.16% | 92.12% | $0 | $0 |
| Q2 2026 | 35.54% | 92.00% | $0 | $0 |
First National Bank in New Bremen 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 New Bremen, 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 New Bremen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14836) · FFIEC NIC profile (RSSD 204826)