The First National Bank of Raymond: 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 Cash and balances due from depository institutions: 103.4% higher than in Q1 2026, at $15.1M. The First National Bank of Raymond has the 31st lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 47.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Raymond sits 32.85 points lower, at 47.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $101.5M |
| 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 | $280K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.99% |
| Net loans and leases to deposits | 47.37% |
| Loans and leases to core deposits | 51.55% |
| Core deposits to total deposits | 93.09% |
| 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 | 48.19% | 93.98% | $0 | $0 |
| Q4 2023 | 55.27% | 93.76% | $1.9M | $10.5M |
| Q1 2024 | 53.72% | 94.02% | $0 | $8.0M |
| Q2 2024 | 52.96% | 94.30% | $0 | $7.3M |
| Q3 2024 | 52.73% | 92.16% | $0 | $3.8M |
| Q4 2024 | 55.87% | 92.89% | $1.5M | $7.8M |
| Q1 2025 | 54.87% | 92.78% | $0 | $5.3M |
| Q2 2025 | 47.94% | 90.88% | $0 | $280K |
| Q3 2025 | 48.56% | 92.93% | $0 | $280K |
| Q4 2025 | 55.44% | 92.74% | $1.1M | $280K |
| Q1 2026 | 54.46% | 93.26% | $0 | $280K |
| Q2 2026 | 47.99% | 93.09% | $0 | $280K |
The First National Bank of Raymond 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 Raymond, 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 Raymond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3830) · FFIEC NIC profile (RSSD 421445)