The First National Bank of Fleming: 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.
Loan-to-deposit ratio climbed 7.42 percentage points in Q2 2026, from 95.21% to 102.64%. It was the largest change from Q1 2026 among the key lines here. Among 63 Colorado banks, The First National Bank of Fleming sits 6th from the top on loan-to-deposit ratio, 102.64% as of Q2 2026. Against a median of 67.92% for banks in the < $100M asset tier, The First National Bank of Fleming reported 102.64% on loan-to-deposit ratio in Q2 2026, 34.71 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $891K |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.9M |
| 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 | $1.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.64% |
| Net loans and leases to deposits | 101.59% |
| Loans and leases to core deposits | 113.21% |
| Core deposits to total deposits | 90.66% |
| 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 | 81.98% | 87.49% | $0 | $0 |
| Q4 2023 | 84.04% | 87.51% | $0 | $0 |
| Q1 2024 | 89.96% | 87.00% | $0 | $0 |
| Q2 2024 | 88.14% | 86.60% | $0 | $0 |
| Q3 2024 | 92.70% | 86.11% | $0 | $0 |
| Q4 2024 | 98.69% | 85.21% | $360K | $800K |
| Q1 2025 | 92.11% | 88.01% | $0 | $0 |
| Q2 2025 | 96.43% | 88.70% | $90K | $0 |
| Q3 2025 | 97.30% | 88.89% | $190K | $0 |
| Q4 2025 | 94.14% | 88.09% | $0 | $0 |
| Q1 2026 | 95.21% | 86.79% | $0 | $0 |
| Q2 2026 | 102.64% | 90.66% | $0 | $1.5M |
The First National Bank of Fleming 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 Fleming, 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 Fleming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3018) · FFIEC NIC profile (RSSD 306056)