The First National Bank of Blanchester: 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 largest change between Q1 2026 and Q2 2026 was in Cash and balances due from depository institutions, which rose 4.7% to $8.7M. Within Ohio, The First National Bank of Blanchester is 115th of 156 on loan-to-deposit ratio, 71.84% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Blanchester sits 4.22 points higher, at 71.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.5M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 2.29% |
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 | 71.84% |
| Net loans and leases to deposits | 71.43% |
| Loans and leases to core deposits | 72.59% |
| Core deposits to total deposits | 98.97% |
| 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 | 63.78% | 98.24% | $0 | $21K |
| Q4 2023 | 63.88% | 94.98% | $0 | $14K |
| Q1 2024 | 64.68% | 97.00% | $0 | $11K |
| Q2 2024 | 67.68% | 97.30% | $0 | $6K |
| Q3 2024 | 67.67% | 97.29% | $0 | $2K |
| Q4 2024 | 68.56% | 98.10% | $0 | $0 |
| Q1 2025 | 65.13% | 98.20% | $0 | $0 |
| Q2 2025 | 67.06% | 98.14% | $0 | $0 |
| Q3 2025 | 66.62% | 98.22% | $0 | $0 |
| Q4 2025 | 70.83% | 98.57% | $0 | $0 |
| Q1 2026 | 71.41% | 98.55% | $0 | $0 |
| Q2 2026 | 71.84% | 98.97% | $0 | $0 |
The First National Bank of Blanchester 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 Blanchester, 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 Blanchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6530) · FFIEC NIC profile (RSSD 735414)