The First National Bank in Tremont: 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: 5.96 percentage points higher than in Q1 2026, at 81.86%. The First National Bank in Tremont ranks 160th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 75.53% (Q2 2026). The First National Bank in Tremont reported 75.53% on loan-to-deposit ratio for Q2 2026, 5.31 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.1M |
| 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 | $1.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.53% |
| Net loans and leases to deposits | 74.62% |
| Loans and leases to core deposits | 81.86% |
| Core deposits to total deposits | 92.26% |
| 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 | 79.23% | 98.22% | $230K | $5.0M |
| Q4 2023 | 80.37% | 96.67% | $0 | $5.0M |
| Q1 2024 | 79.77% | 97.26% | $0 | $3.5M |
| Q2 2024 | 79.60% | 97.74% | $0 | $110K |
| Q3 2024 | 81.33% | 97.97% | $0 | $1.9M |
| Q4 2024 | 79.48% | 95.64% | $0 | $1.9M |
| Q1 2025 | 72.99% | 94.54% | $0 | $1.9M |
| Q2 2025 | 72.82% | 92.05% | $0 | $1.9M |
| Q3 2025 | 74.47% | 90.90% | $0 | $1.9M |
| Q4 2025 | 76.37% | 91.14% | $0 | $1.9M |
| Q1 2026 | 69.73% | 91.87% | $0 | $1.9M |
| Q2 2026 | 75.53% | 92.26% | $0 | $1.9M |
The First National Bank in Tremont liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Tremont, 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 The First National Bank in Tremont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3749) · FFIEC NIC profile (RSSD 353546)