The First National Bank of Carmi: 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 noninterest-bearing balances to assets: 5.57 percentage points lower than in Q1 2026, at 12.93%. Within Illinois, The First National Bank of Carmi is 141st of 323 on loan-to-deposit ratio, 78.54% as of Q2 2026, above the middle of the field. At 78.54%, The First National Bank of Carmi's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $80.5M |
| Cash and noninterest-bearing balances to assets | 12.93% |
| Cash and securities | $165.4M |
| Fed funds sold and reverse repos | $50K |
| Fed funds sold and reverse repos to assets | 0.01% |
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 | 78.54% |
| Net loans and leases to deposits | 77.47% |
| Loans and leases to core deposits | 79.87% |
| Core deposits to total deposits | 98.34% |
| 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 | 83.78% | 99.09% | $0 | $15.0M |
| Q4 2023 | 81.21% | 98.40% | $0 | $15.0M |
| Q1 2024 | 81.55% | 97.98% | $0 | $10.0M |
| Q2 2024 | 85.60% | 97.75% | $0 | $5.0M |
| Q3 2024 | 86.98% | 97.96% | $0 | $0 |
| Q4 2024 | 88.70% | 98.08% | $0 | $0 |
| Q1 2025 | 80.51% | 98.25% | $0 | $0 |
| Q2 2025 | 86.64% | 98.13% | $0 | $0 |
| Q3 2025 | 86.40% | 98.22% | $0 | $0 |
| Q4 2025 | 83.92% | 97.96% | $0 | $0 |
| Q1 2026 | 74.69% | 98.01% | $0 | $0 |
| Q2 2026 | 78.54% | 98.34% | $0 | $0 |
The First National Bank of Carmi 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 Carmi, 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 Carmi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3777) · FFIEC NIC profile (RSSD 209148)