The First National Bank of Okawville: 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: 37.1% lower than in Q1 2026, at $2.9M. On loan-to-deposit ratio, The First National Bank of Okawville is 13th from the bottom among 323 Illinois banks, 35.98% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Okawville sits 31.65 points lower, at 35.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.7M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 4.39% |
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 | 35.98% |
| Net loans and leases to deposits | 35.68% |
| Loans and leases to core deposits | 37.60% |
| Core deposits to total deposits | 95.67% |
| 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 | 36.32% | 97.45% | $5.0M | $0 |
| Q4 2023 | 35.49% | 97.25% | $0 | $5.0M |
| Q1 2024 | 36.56% | 97.61% | $0 | $5.0M |
| Q2 2024 | 39.15% | 95.29% | $3.3M | $1.5M |
| Q3 2024 | 46.57% | 94.78% | $3.6M | $9.4M |
| Q4 2024 | 43.90% | 98.49% | $3.1M | $0 |
| Q1 2025 | 39.01% | 97.86% | $0 | $0 |
| Q2 2025 | 36.85% | 97.31% | $0 | $0 |
| Q3 2025 | 39.36% | 97.28% | $0 | $0 |
| Q4 2025 | 38.17% | 96.75% | $0 | $0 |
| Q1 2026 | 35.93% | 96.92% | $0 | $0 |
| Q2 2026 | 35.98% | 95.67% | $0 | $0 |
The First National Bank of Okawville 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 Okawville, 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 Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3826) · FFIEC NIC profile (RSSD 333940)