First National Bank of Nokomis: 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: 35.1% lower than in Q1 2026, at $10.7M. First National Bank of Nokomis ranks 249th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 59.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Nokomis sits 21.75 points lower, at 59.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.3M |
| Fed funds sold and reverse repos | $10.7M |
| Fed funds sold and reverse repos to assets | 5.86% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.20% |
| Net loans and leases to deposits | 58.40% |
| Loans and leases to core deposits | 61.86% |
| Core deposits to total deposits | 95.70% |
| 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 | 54.94% | 98.20% | $0 | $0 |
| Q4 2023 | 56.83% | 97.46% | $0 | $0 |
| Q1 2024 | 58.52% | 95.13% | $0 | $0 |
| Q2 2024 | 61.86% | 94.84% | $0 | $3.0M |
| Q3 2024 | 62.31% | 96.46% | $0 | $784K |
| Q4 2024 | 59.97% | 96.69% | $0 | $784K |
| Q1 2025 | 57.28% | 96.15% | $0 | $784K |
| Q2 2025 | 61.35% | 95.99% | $0 | $784K |
| Q3 2025 | 63.31% | 95.74% | $0 | $1.2M |
| Q4 2025 | 63.50% | 95.90% | $0 | $1.2M |
| Q1 2026 | 57.83% | 96.35% | $0 | $1.2M |
| Q2 2026 | 59.20% | 95.70% | $0 | $1.2M |
First National Bank of Nokomis 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 Nokomis, 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 Nokomis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15763) · FFIEC NIC profile (RSSD 330248)