The First National Bank of Scott City: 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.
Loans and leases to core deposits climbed 12.90 percentage points in Q2 2026, from 86.66% to 99.56%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Scott City ranks 36th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 91.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The First National Bank of Scott City sits 10.42 points higher, at 91.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.1M |
| 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 | $2.0M |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.36% |
| Net loans and leases to deposits | 90.31% |
| Loans and leases to core deposits | 99.56% |
| Core deposits to total deposits | 91.77% |
| 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 | 71.67% | 92.07% | $0 | $7.0M |
| Q4 2023 | 66.56% | 93.39% | $0 | $1.4M |
| Q1 2024 | 73.40% | 92.64% | $0 | $5.9M |
| Q2 2024 | 78.42% | 91.75% | $0 | $7.9M |
| Q3 2024 | 79.02% | 89.46% | $1.2M | $7.3M |
| Q4 2024 | 77.13% | 90.46% | $509K | $2.2M |
| Q1 2025 | 80.28% | 89.91% | $0 | $4.1M |
| Q2 2025 | 80.46% | 88.28% | $784K | $1.1M |
| Q3 2025 | 83.78% | 89.36% | $0 | $6.6M |
| Q4 2025 | 81.44% | 91.91% | $0 | $952K |
| Q1 2026 | 81.07% | 93.56% | $0 | $898K |
| Q2 2026 | 91.36% | 91.77% | $2.0M | $8.0M |
The First National Bank of Scott City 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 Scott City, 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 Scott City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4769) · FFIEC NIC profile (RSSD 414652)