First National Bank of America: 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.
Brokered deposits to total deposits dropped 1.49 percentage points in Q2 2026, from 44.89% to 43.40%. It was the largest change from Q1 2026 among the key lines here. First National Bank of America has the highest loan-to-deposit ratio of the 72 banks headquartered in Michigan, 161.84% as of Q2 2026. First National Bank of America's loan-to-deposit ratio of 161.84% is well above the 88.20% median for banks in the $1B-10B asset tier, a gap of 73.64 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $315.6M |
| Cash and noninterest-bearing balances to assets | 4.63% |
| Cash and securities | $397.6M |
| 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 | $2.33B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 34.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 161.84% |
| Net loans and leases to deposits | 160.07% |
| Loans and leases to core deposits | 181.50% |
| Core deposits to total deposits | 45.77% |
| Brokered deposits to total deposits | 43.40% |
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 | 159.02% | 45.09% | $0 | $1.74B |
| Q4 2023 | 159.87% | 42.59% | $0 | $1.88B |
| Q1 2024 | 157.90% | 43.85% | $0 | $1.88B |
| Q2 2024 | 155.24% | 43.53% | $0 | $1.86B |
| Q3 2024 | 156.72% | 43.51% | $0 | $1.95B |
| Q4 2024 | 158.72% | 43.58% | $0 | $2.07B |
| Q1 2025 | 156.75% | 44.07% | $0 | $2.06B |
| Q2 2025 | 159.60% | 44.63% | $0 | $2.12B |
| Q3 2025 | 159.13% | 44.82% | $0 | $2.17B |
| Q4 2025 | 161.86% | 44.14% | $0 | $2.28B |
| Q1 2026 | 162.79% | 44.57% | $0 | $2.33B |
| Q2 2026 | 161.84% | 45.77% | $0 | $2.33B |
First National Bank of America 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 of America, 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 of America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17438) · FFIEC NIC profile (RSSD 413141)