The First National Bank of Gilbert: 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 Loans and leases to core deposits: 3.74 percentage points higher than in Q1 2026, at 101.78%. The First National Bank of Gilbert ranks 55th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 92.14% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Gilbert sits 24.51 points higher, at 92.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.0M |
| 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 | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.14% |
| Net loans and leases to deposits | 91.17% |
| Loans and leases to core deposits | 101.78% |
| Core deposits to total deposits | 90.52% |
| 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 | 103.08% | 96.33% | $0 | $10.7M |
| Q4 2023 | 98.02% | 93.79% | $0 | $10.7M |
| Q1 2024 | 100.11% | 93.05% | $0 | $10.7M |
| Q2 2024 | 97.35% | 93.22% | $0 | $8.5M |
| Q3 2024 | 92.79% | 91.39% | $0 | $6.5M |
| Q4 2024 | 88.16% | 91.60% | $0 | $5.5M |
| Q1 2025 | 90.15% | 93.74% | $0 | $5.5M |
| Q2 2025 | 92.13% | 94.57% | $0 | $5.5M |
| Q3 2025 | 94.78% | 94.18% | $0 | $5.5M |
| Q4 2025 | 93.35% | 94.32% | $0 | $5.5M |
| Q1 2026 | 88.63% | 90.40% | $0 | $3.5M |
| Q2 2026 | 92.14% | 90.52% | $0 | $3.5M |
The First National Bank of Gilbert 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 Gilbert, 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 Gilbert profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5150) · FFIEC NIC profile (RSSD 975452)