First National Bank of Commerce: 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.
Fed funds sold and reverse repos dropped 98.4% in Q2 2026, from $2.1M to $33K. It was the largest change from Q1 2026 among the key lines here. First National Bank of Commerce has the 8th lowest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, at 58.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Commerce sits 22.11 points lower, at 58.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.5M |
| Fed funds sold and reverse repos | $33K |
| 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 | $175K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.73% |
| Net loans and leases to deposits | 58.18% |
| Loans and leases to core deposits | 67.11% |
| Core deposits to total deposits | 87.51% |
| 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 | 50.92% | 89.56% | $0 | $15K |
| Q4 2023 | 48.48% | 87.41% | $0 | $12K |
| Q1 2024 | 46.26% | 87.61% | $0 | $8K |
| Q2 2024 | 48.03% | 87.38% | $0 | $4K |
| Q3 2024 | 48.80% | 88.23% | $0 | $0 |
| Q4 2024 | 47.38% | 87.18% | $0 | $65K |
| Q1 2025 | 47.63% | 86.89% | $0 | $64K |
| Q2 2025 | 48.29% | 86.09% | $0 | $249K |
| Q3 2025 | 51.27% | 86.42% | $0 | $231K |
| Q4 2025 | 52.78% | 86.47% | $0 | $213K |
| Q1 2026 | 53.13% | 86.74% | $0 | $194K |
| Q2 2026 | 58.73% | 87.51% | $0 | $175K |
First National Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Commerce, 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 First National Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3896) · FFIEC NIC profile (RSSD 799948)