The First National Bank of Saint Ignace: 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.
Compared with Q1 2026, Cash and balances due from depository institutions rose 4.5% in Q2 2026 to $41.7M, the biggest move on this page. The First National Bank of Saint Ignace has the 3rd lowest loan-to-deposit ratio of the 72 banks headquartered in Michigan, at 35.41% as of Q2 2026. The First National Bank of Saint Ignace's loan-to-deposit ratio of 35.41% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 45.54 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $207.5M |
| 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 | $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 | 35.41% |
| Net loans and leases to deposits | 35.13% |
| Loans and leases to core deposits | 37.43% |
| Core deposits to total deposits | 94.60% |
| 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 | 25.36% | 97.92% | $0 | $0 |
| Q4 2023 | 28.23% | 97.29% | $0 | $0 |
| Q1 2024 | 31.01% | 96.51% | $0 | $0 |
| Q2 2024 | 30.19% | 96.01% | $0 | $0 |
| Q3 2024 | 25.94% | 94.68% | $0 | $0 |
| Q4 2024 | 29.98% | 95.69% | $0 | $0 |
| Q1 2025 | 33.46% | 92.29% | $0 | $0 |
| Q2 2025 | 34.06% | 91.85% | $0 | $0 |
| Q3 2025 | 29.76% | 94.50% | $0 | $0 |
| Q4 2025 | 33.42% | 93.80% | $0 | $0 |
| Q1 2026 | 35.18% | 94.68% | $0 | $0 |
| Q2 2026 | 35.41% | 94.60% | $0 | $0 |
The First National Bank of Saint Ignace 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 Saint Ignace, 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 Saint Ignace profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5074) · FFIEC NIC profile (RSSD 381950)