The First National Bank of Sparta: 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: 43.8% lower than in Q1 2026, at $3.3M. Within Illinois, The First National Bank of Sparta is 286th of 323 on loan-to-deposit ratio, 49.29% as of Q2 2026, below the middle of the field. The First National Bank of Sparta reported 49.29% on loan-to-deposit ratio for Q2 2026, 31.55 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.6M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 2.92% |
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 | 49.29% |
| Net loans and leases to deposits | 48.68% |
| Loans and leases to core deposits | 51.52% |
| Core deposits to total deposits | 95.66% |
| Brokered deposits to total deposits | 4.95% |
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 | 45.56% | 99.26% | $0 | $2.5M |
| Q4 2023 | 46.48% | 97.64% | $0 | $5.0M |
| Q1 2024 | 46.93% | 98.56% | $0 | $5.0M |
| Q2 2024 | 50.11% | 98.46% | $0 | $7.5M |
| Q3 2024 | 49.90% | 98.47% | $0 | $4.5M |
| Q4 2024 | 47.08% | 93.52% | $0 | $0 |
| Q1 2025 | 45.59% | 96.46% | $0 | $0 |
| Q2 2025 | 47.95% | 96.07% | $0 | $0 |
| Q3 2025 | 46.97% | 87.57% | $0 | $0 |
| Q4 2025 | 48.38% | 90.91% | $0 | $0 |
| Q1 2026 | 47.64% | 96.01% | $0 | $0 |
| Q2 2026 | 49.29% | 95.66% | $0 | $0 |
The First National Bank of Sparta 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 Sparta, 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 Sparta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3837) · FFIEC NIC profile (RSSD 246947)