First National Bank of Gillette: 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 32.6% in Q2 2026, from $35.2M to $46.6M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Gillette has the 1st lowest loan-to-deposit ratio of the 23 banks headquartered in Wyoming, at 28.77% as of Q2 2026. First National Bank of Gillette's loan-to-deposit ratio of 28.77% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 52.07 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $485.9M |
| 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 | $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 | 28.77% |
| Net loans and leases to deposits | 28.30% |
| Loans and leases to core deposits | 32.53% |
| Core deposits to total deposits | 88.43% |
| 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 | 24.44% | 91.61% | $0 | $0 |
| Q4 2023 | 23.47% | 91.64% | $0 | $0 |
| Q1 2024 | 23.09% | 91.27% | $0 | $0 |
| Q2 2024 | 28.38% | 89.71% | $0 | $0 |
| Q3 2024 | 28.28% | 90.25% | $0 | $0 |
| Q4 2024 | 30.18% | 90.42% | $0 | $0 |
| Q1 2025 | 29.91% | 90.03% | $0 | $0 |
| Q2 2025 | 31.28% | 88.70% | $0 | $0 |
| Q3 2025 | 30.21% | 88.86% | $0 | $0 |
| Q4 2025 | 28.22% | 89.39% | $0 | $0 |
| Q1 2026 | 28.58% | 89.57% | $0 | $0 |
| Q2 2026 | 28.77% | 88.43% | $0 | $0 |
First National Bank of Gillette 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 Gillette, 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 Gillette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18880) · FFIEC NIC profile (RSSD 890050)