The First National Bank of Fairfax: 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.
Cash and balances due from depository institutions climbed 40.3% in Q2 2026, from $2.9M to $4.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Fairfax is 14th from the bottom among 221 Minnesota banks, 44.58% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Fairfax sits 23.05 points lower, at 44.58% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.9M |
| Fed funds sold and reverse repos | $700K |
| Fed funds sold and reverse repos to assets | 1.96% |
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 | 44.58% |
| Net loans and leases to deposits | 42.77% |
| Loans and leases to core deposits | 44.58% |
| Core deposits to total deposits | 100.00% |
| 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 | 67.22% | 100.00% | $0 | $0 |
| Q4 2023 | 63.29% | 100.00% | $0 | $0 |
| Q1 2024 | 64.15% | 100.00% | $0 | $0 |
| Q2 2024 | 63.52% | 100.00% | $0 | $0 |
| Q3 2024 | 62.08% | 100.00% | $0 | $0 |
| Q4 2024 | 61.42% | 100.00% | $0 | $0 |
| Q1 2025 | 52.81% | 100.00% | $0 | $0 |
| Q2 2025 | 48.13% | 100.00% | $0 | $0 |
| Q3 2025 | 48.29% | 100.00% | $0 | $0 |
| Q4 2025 | 45.25% | 100.00% | $0 | $0 |
| Q1 2026 | 46.33% | 100.00% | $0 | $0 |
| Q2 2026 | 44.58% | 100.00% | $0 | $0 |
The First National Bank of Fairfax 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 Fairfax, 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 Fairfax profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5142) · FFIEC NIC profile (RSSD 938354)