The First National Bank of Germantown: 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 Fed funds sold and reverse repos: 8.1% lower than in Q1 2026, at $3.1M. The First National Bank of Germantown ranks 119th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 68.97% (Q2 2026). At 68.97%, The First National Bank of Germantown's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.1M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 3.26% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.97% |
| Net loans and leases to deposits | 68.43% |
| Loans and leases to core deposits | 70.49% |
| Core deposits to total deposits | 97.84% |
| 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 | 73.65% | 95.42% | $0 | $3.1M |
| Q4 2023 | 65.75% | 90.65% | $0 | $3.1M |
| Q1 2024 | 65.84% | 89.90% | $0 | $3.0M |
| Q2 2024 | 68.64% | 92.04% | $0 | $3.0M |
| Q3 2024 | 72.05% | 93.79% | $0 | $3.0M |
| Q4 2024 | 68.23% | 94.49% | $0 | $3.0M |
| Q1 2025 | 68.90% | 93.93% | $0 | $3.0M |
| Q2 2025 | 71.13% | 97.03% | $0 | $3.0M |
| Q3 2025 | 66.47% | 97.12% | $0 | $3.0M |
| Q4 2025 | 67.86% | 97.07% | $0 | $3.0M |
| Q1 2026 | 69.24% | 97.50% | $0 | $3.0M |
| Q2 2026 | 68.97% | 97.84% | $0 | $3.0M |
The First National Bank of Germantown 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 Germantown, 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 Germantown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6592) · FFIEC NIC profile (RSSD 505916)