First National Bank of Izard County: 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 Q3 2026 was in Fed funds sold and reverse repos: 42.1% lower than in Q2 2026, at $9.6M. Within Arkansas, First National Bank of Izard County is 59th of 78 on loan-to-deposit ratio, 73.60% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Izard County sits 7.34 points lower, at 73.60% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.1M |
| Fed funds sold and reverse repos | $9.6M |
| Fed funds sold and reverse repos to assets | 4.06% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 73.60% |
| Net loans and leases to deposits | 73.01% |
| Loans and leases to core deposits | 81.48% |
| Core deposits to total deposits | 90.33% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 67.11% | 93.39% | $0 | $0 |
| Q1 2024 | 68.02% | 93.27% | $0 | $0 |
| Q2 2024 | 69.38% | 93.96% | $0 | $0 |
| Q3 2024 | 70.41% | 93.31% | $0 | $0 |
| Q4 2024 | 71.85% | 92.83% | $0 | $0 |
| Q1 2025 | 72.22% | 92.60% | $0 | $0 |
| Q2 2025 | 73.16% | 91.81% | $0 | $0 |
| Q3 2025 | 73.15% | 90.92% | $0 | $0 |
| Q4 2025 | 71.44% | 90.49% | $0 | $0 |
| Q1 2026 | 70.91% | 89.87% | $0 | $0 |
| Q2 2026 | 72.87% | 89.61% | $0 | $0 |
| Q3 2026 | 73.60% | 90.33% | $0 | $0 |
First National Bank of Izard County 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 Izard County, 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 Izard County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11252) · FFIEC NIC profile (RSSD 379649)