First National Bank of Pana: 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 Loan-to-deposit ratio: 6.68 percentage points higher than in Q1 2026, at 83.36%. First National Bank of Pana ranks 106th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 83.36% (Q2 2026). At 83.36%, First National Bank of Pana's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.0M |
| 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 | 83.36% |
| Net loans and leases to deposits | 82.58% |
| Loans and leases to core deposits | 89.26% |
| Core deposits to total deposits | 92.01% |
| Brokered deposits to total deposits | 1.38% |
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 | 88.36% | 92.06% | $0 | $10.0M |
| Q4 2023 | 87.23% | 92.96% | $0 | $0 |
| Q1 2024 | 86.04% | 92.05% | $0 | $0 |
| Q2 2024 | 85.42% | 92.35% | $0 | $0 |
| Q3 2024 | 87.32% | 91.59% | $0 | $0 |
| Q4 2024 | 86.28% | 91.90% | $0 | $0 |
| Q1 2025 | 82.38% | 91.55% | $0 | $0 |
| Q2 2025 | 85.60% | 90.93% | $0 | $0 |
| Q3 2025 | 80.80% | 89.99% | $0 | $0 |
| Q4 2025 | 81.00% | 84.63% | $0 | $0 |
| Q1 2026 | 76.68% | 90.90% | $0 | $0 |
| Q2 2026 | 83.36% | 92.01% | $0 | $0 |
First National Bank of Pana 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 Pana, 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 Pana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3720) · FFIEC NIC profile (RSSD 860147)