First National Bank of Kansas: 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 56.0% in Q2 2026, from $7.6M to $11.9M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First National Bank of Kansas is 18th from the bottom among 182 Kansas banks, 45.45% (Q2 2026). First National Bank of Kansas reported 45.45% on loan-to-deposit ratio for Q2 2026, 35.39 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.3M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 1.98% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.45% |
| Net loans and leases to deposits | 44.92% |
| Loans and leases to core deposits | 53.25% |
| Core deposits to total deposits | 85.34% |
| 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 | 38.37% | 83.24% | $1.4M | $10.6M |
| Q4 2023 | 39.00% | 87.58% | $0 | $12.0M |
| Q1 2024 | 42.26% | 87.40% | $0 | $12.0M |
| Q2 2024 | 43.06% | 84.08% | $0 | $12.0M |
| Q3 2024 | 49.87% | 84.24% | $719K | $15.0M |
| Q4 2024 | 44.47% | 85.38% | $0 | $7.0M |
| Q1 2025 | 46.22% | 84.90% | $0 | $8.0M |
| Q2 2025 | 50.66% | 83.52% | $0 | $11.0M |
| Q3 2025 | 50.86% | 83.71% | $0 | $10.6M |
| Q4 2025 | 49.81% | 83.43% | $0 | $9.5M |
| Q1 2026 | 46.71% | 84.63% | $0 | $6.0M |
| Q2 2026 | 45.45% | 85.34% | $0 | $6.0M |
First National Bank of Kansas 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 Kansas, 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 Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4794) · FFIEC NIC profile (RSSD 614256)