The First National Bank of Litchfield: 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 Fed funds sold and reverse repos: 50.5% lower than in Q1 2026, at $1.1M. The First National Bank of Litchfield ranks 92nd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 85.50% (Q2 2026). The First National Bank of Litchfield reported 85.50% on loan-to-deposit ratio for Q2 2026, 4.66 points above 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 | $10.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.7M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.72% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.50% |
| Net loans and leases to deposits | 84.44% |
| Loans and leases to core deposits | 97.34% |
| Core deposits to total deposits | 87.84% |
| 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 | 78.59% | 98.47% | $0 | $2.2M |
| Q4 2023 | 85.42% | 98.64% | $0 | $4.2M |
| Q1 2024 | 83.43% | 98.41% | $0 | $2.2M |
| Q2 2024 | 88.63% | 97.36% | $0 | $5.8M |
| Q3 2024 | 91.84% | 97.04% | $118K | $5.8M |
| Q4 2024 | 93.87% | 98.06% | $0 | $4.2M |
| Q1 2025 | 86.99% | 90.51% | $0 | $2.0M |
| Q2 2025 | 85.75% | 90.76% | $0 | $2.0M |
| Q3 2025 | 88.13% | 90.06% | $0 | $2.0M |
| Q4 2025 | 91.73% | 89.47% | $0 | $2.0M |
| Q1 2026 | 84.92% | 88.91% | $0 | $2.0M |
| Q2 2026 | 85.50% | 87.84% | $0 | $2.0M |
The First National Bank of Litchfield liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Litchfield, 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 The First National Bank of Litchfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3807) · FFIEC NIC profile (RSSD 370347)