First National Bank of Hartford: 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 Cash and balances due from depository institutions: 18.5% higher than in Q1 2026, at $7.7M. First National Bank of Hartford ranks 58th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 62.80% (Q2 2026). First National Bank of Hartford reported 62.80% on loan-to-deposit ratio for Q2 2026, 18.14 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.1M |
| Fed funds sold and reverse repos | $971K |
| Fed funds sold and reverse repos to assets | 0.56% |
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 | 62.80% |
| Net loans and leases to deposits | 62.12% |
| Loans and leases to core deposits | 70.21% |
| Core deposits to total deposits | 87.66% |
| Brokered deposits to total deposits | 1.79% |
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 | 63.17% | 90.18% | $89K | $1.9M |
| Q4 2023 | 64.04% | 88.47% | $0 | $2.8M |
| Q1 2024 | 64.55% | 89.20% | $0 | $850K |
| Q2 2024 | 64.06% | 89.35% | $0 | $0 |
| Q3 2024 | 62.33% | 87.63% | $0 | $0 |
| Q4 2024 | 62.98% | 88.30% | $0 | $0 |
| Q1 2025 | 61.50% | 89.66% | $0 | $0 |
| Q2 2025 | 62.29% | 89.88% | $0 | $0 |
| Q3 2025 | 63.37% | 89.99% | $0 | $0 |
| Q4 2025 | 63.48% | 87.84% | $0 | $0 |
| Q1 2026 | 63.22% | 87.37% | $0 | $0 |
| Q2 2026 | 62.80% | 87.66% | $0 | $0 |
First National Bank of Hartford 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 Hartford, 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 Hartford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2804) · FFIEC NIC profile (RSSD 112332)