First National Bank of Lacon: 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 156.4% in Q2 2026, from $7.9M to $20.3M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Lacon ranks 195th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 71.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Lacon sits 9.19 points lower, at 71.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.0M |
| 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 | 71.65% |
| Net loans and leases to deposits | 71.13% |
| Loans and leases to core deposits | 74.54% |
| Core deposits to total deposits | 96.12% |
| 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 | 66.70% | 96.18% | $0 | $1.0M |
| Q4 2023 | 73.49% | 95.78% | $850K | $1.0M |
| Q1 2024 | 76.09% | 95.27% | $0 | $2.0M |
| Q2 2024 | 64.46% | 95.75% | $0 | $1.0M |
| Q3 2024 | 68.66% | 95.06% | $0 | $0 |
| Q4 2024 | 63.49% | 95.02% | $0 | $0 |
| Q1 2025 | 73.94% | 92.14% | $0 | $0 |
| Q2 2025 | 65.29% | 92.46% | $0 | $0 |
| Q3 2025 | 72.93% | 93.98% | $0 | $0 |
| Q4 2025 | 76.03% | 93.85% | $0 | $0 |
| Q1 2026 | 79.90% | 95.00% | $0 | $0 |
| Q2 2026 | 71.65% | 96.12% | $0 | $0 |
First National Bank of Lacon 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 Lacon, 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 Lacon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3688) · FFIEC NIC profile (RSSD 824738)