First National Bank of Johnson: 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 dropped 12.7% in Q2 2026, from $9.2M to $8.1M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First National Bank of Johnson is 6th from the bottom among 138 Nebraska banks, 39.04% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. First National Bank of Johnson sits 28.88 points lower, at 39.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.4M |
| Fed funds sold and reverse repos | $586K |
| Fed funds sold and reverse repos to assets | 0.61% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $199K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.04% |
| Net loans and leases to deposits | 38.75% |
| Loans and leases to core deposits | 41.05% |
| Core deposits to total deposits | 95.12% |
| 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 | 34.85% | 95.07% | $0 | $318K |
| Q4 2023 | 38.34% | 95.79% | $2.6M | $278K |
| Q1 2024 | 37.27% | 96.52% | $263K | $278K |
| Q2 2024 | 39.94% | 97.44% | $3.5M | $278K |
| Q3 2024 | 40.92% | 94.96% | $858K | $4.3M |
| Q4 2024 | 43.61% | 95.13% | $829K | $239K |
| Q1 2025 | 37.98% | 94.64% | $0 | $239K |
| Q2 2025 | 37.49% | 94.57% | $0 | $239K |
| Q3 2025 | 40.04% | 94.50% | $0 | $239K |
| Q4 2025 | 42.73% | 94.61% | $0 | $199K |
| Q1 2026 | 39.14% | 95.23% | $0 | $199K |
| Q2 2026 | 39.04% | 95.12% | $0 | $199K |
First National Bank of Johnson 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 Johnson, 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 Johnson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5422) · FFIEC NIC profile (RSSD 563457)