First National Bank of Elmer: 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.
Loans and leases to core deposits dropped 3.55 percentage points in Q2 2026, from 103.25% to 99.70%. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, First National Bank of Elmer is 25th of 49 on loan-to-deposit ratio, 91.73% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Elmer sits 10.89 points higher, at 91.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 91.73% |
| Net loans and leases to deposits | 90.56% |
| Loans and leases to core deposits | 99.70% |
| Core deposits to total deposits | 92.00% |
| 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 | 89.49% | 96.65% | $0 | $0 |
| Q4 2023 | 87.77% | 97.10% | $0 | $0 |
| Q1 2024 | 91.64% | 93.38% | $0 | $0 |
| Q2 2024 | 86.45% | 89.90% | $0 | $0 |
| Q3 2024 | 87.36% | 91.44% | $0 | $0 |
| Q4 2024 | 91.52% | 91.47% | $0 | $0 |
| Q1 2025 | 92.58% | 90.74% | $0 | $0 |
| Q2 2025 | 88.20% | 90.50% | $0 | $0 |
| Q3 2025 | 87.54% | 90.41% | $0 | $0 |
| Q4 2025 | 88.94% | 90.57% | $0 | $0 |
| Q1 2026 | 94.83% | 91.84% | $0 | $0 |
| Q2 2026 | 91.73% | 92.00% | $0 | $0 |
First National Bank of Elmer 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 Elmer, 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 Elmer profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6464) · FFIEC NIC profile (RSSD 609010)