The First National Bank of Assumption: 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 Fed funds sold and reverse repos: 120.4% higher than in Q1 2026, at $2.3M. The First National Bank of Assumption has the 3rd lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 29.41% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, The First National Bank of Assumption reported 29.41% on loan-to-deposit ratio in Q2 2026, 38.21 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.2M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 9.06% |
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 | 29.41% |
| Net loans and leases to deposits | 29.00% |
| Loans and leases to core deposits | 30.46% |
| Core deposits to total deposits | 96.55% |
| 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 | 25.07% | 100.00% | $0 | $0 |
| Q4 2023 | 27.45% | 100.00% | $0 | $0 |
| Q1 2024 | 26.18% | 100.00% | $0 | $0 |
| Q2 2024 | 26.41% | 97.93% | $0 | $0 |
| Q3 2024 | 28.89% | 97.97% | $0 | $0 |
| Q4 2024 | 30.50% | 97.83% | $0 | $0 |
| Q1 2025 | 27.82% | 96.56% | $0 | $0 |
| Q2 2025 | 28.11% | 96.57% | $0 | $0 |
| Q3 2025 | 29.11% | 96.47% | $0 | $0 |
| Q4 2025 | 31.91% | 96.24% | $0 | $0 |
| Q1 2026 | 30.18% | 96.39% | $0 | $0 |
| Q2 2026 | 29.41% | 96.55% | $0 | $0 |
The First National Bank of Assumption 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 of Assumption, 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 of Assumption profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3600) · FFIEC NIC profile (RSSD 604033)