First National Bank in Olney: 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.
Cash and balances due from depository institutions dropped 20.0% in Q2 2026, from $48.4M to $38.7M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank in Olney is 256th of 323 on loan-to-deposit ratio, 55.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank in Olney sits 25.20 points lower, at 55.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $218.8M |
| 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 | $2.9M |
| Other borrowed money | $1.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.63% |
| Net loans and leases to deposits | 54.93% |
| Loans and leases to core deposits | 63.78% |
| Core deposits to total deposits | 87.22% |
| 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 | 58.78% | 91.87% | $2.1M | $1.8M |
| Q4 2023 | 62.01% | 90.99% | $309K | $1.7M |
| Q1 2024 | 59.96% | 88.87% | $6.0M | $1.6M |
| Q2 2024 | 60.11% | 86.40% | $5.5M | $1.6M |
| Q3 2024 | 61.49% | 86.57% | $5.3M | $1.6M |
| Q4 2024 | 62.70% | 86.57% | $128K | $1.5M |
| Q1 2025 | 60.29% | 87.33% | $2.3M | $1.4M |
| Q2 2025 | 62.19% | 87.51% | $2.8M | $1.4M |
| Q3 2025 | 63.66% | 87.15% | $2.9M | $1.4M |
| Q4 2025 | 61.42% | 87.14% | $645K | $1.3M |
| Q1 2026 | 55.22% | 87.48% | $3.2M | $1.3M |
| Q2 2026 | 55.63% | 87.22% | $2.9M | $1.3M |
First National Bank in Olney 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 Olney, 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 Olney profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14567) · FFIEC NIC profile (RSSD 412845)