The First National Bank of Bangor: 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 Cash and balances due from depository institutions: 190.6% higher than in Q1 2026, at $23.2M. Among 153 Wisconsin banks, The First National Bank of Bangor sits 3rd from the top on loan-to-deposit ratio, 136.23% as of Q2 2026. The First National Bank of Bangor's loan-to-deposit ratio of 136.23% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 55.40 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.8M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 1.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $23.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 136.23% |
| Net loans and leases to deposits | 135.32% |
| Loans and leases to core deposits | 150.54% |
| Core deposits to total deposits | 90.50% |
| 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 | 134.94% | 95.25% | $0 | $42.5M |
| Q4 2023 | 120.29% | 94.19% | $0 | $42.5M |
| Q1 2024 | 128.32% | 91.44% | $0 | $42.5M |
| Q2 2024 | 131.32% | 91.43% | $0 | $42.5M |
| Q3 2024 | 134.45% | 90.27% | $0 | $42.5M |
| Q4 2024 | 125.68% | 91.35% | $0 | $25.0M |
| Q1 2025 | 140.80% | 91.22% | $6.9M | $30.0M |
| Q2 2025 | 139.66% | 90.87% | $0 | $35.0M |
| Q3 2025 | 139.27% | 90.57% | $0 | $35.0M |
| Q4 2025 | 126.83% | 91.82% | $0 | $23.0M |
| Q1 2026 | 141.89% | 90.88% | $0 | $23.0M |
| Q2 2026 | 136.23% | 90.50% | $0 | $23.0M |
The First National Bank of Bangor 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 Bangor, 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 Bangor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5337) · FFIEC NIC profile (RSSD 627854)