The First National Bank of Ava: 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: 46.1% lower than in Q1 2026, at $1.6M. The First National Bank of Ava ranks 231st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.65% (Q2 2026). The First National Bank of Ava reported 64.65% on loan-to-deposit ratio for Q2 2026, 3.27 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.1M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 2.00% |
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 | 64.65% |
| Net loans and leases to deposits | 63.54% |
| Loans and leases to core deposits | 69.95% |
| Core deposits to total deposits | 92.43% |
| 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 | 54.32% | 98.52% | $1.3M | $2.0M |
| Q4 2023 | 51.46% | 98.55% | $0 | $0 |
| Q1 2024 | 48.28% | 97.83% | $0 | $0 |
| Q2 2024 | 49.89% | 97.73% | $0 | $0 |
| Q3 2024 | 52.76% | 97.74% | $10K | $20K |
| Q4 2024 | 54.76% | 92.84% | $0 | $0 |
| Q1 2025 | 51.95% | 92.31% | $0 | $0 |
| Q2 2025 | 53.49% | 92.89% | $0 | $0 |
| Q3 2025 | 60.63% | 92.65% | $0 | $0 |
| Q4 2025 | 63.60% | 92.29% | $0 | $0 |
| Q1 2026 | 60.86% | 92.48% | $0 | $0 |
| Q2 2026 | 64.65% | 92.43% | $0 | $0 |
The First National Bank of Ava 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 Ava, 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 Ava profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3761) · FFIEC NIC profile (RSSD 858443)