First National Bank of Spearville: 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.
Fed funds sold and reverse repos climbed 636.7% in Q2 2026, from $1.5M to $11.1M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Spearville ranks 140th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 59.70% (Q2 2026). First National Bank of Spearville reported 59.70% on loan-to-deposit ratio for Q2 2026, 8.23 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.7M |
| Fed funds sold and reverse repos | $11.1M |
| Fed funds sold and reverse repos to assets | 17.79% |
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 | 59.70% |
| Net loans and leases to deposits | 58.77% |
| Loans and leases to core deposits | 61.73% |
| Core deposits to total deposits | 96.71% |
| 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 | 60.43% | 100.00% | $0 | $0 |
| Q4 2023 | 42.10% | 98.80% | $0 | $0 |
| Q1 2024 | 69.11% | 97.51% | $0 | $0 |
| Q2 2024 | 65.66% | 96.76% | $0 | $0 |
| Q3 2024 | 57.99% | 96.98% | $0 | $0 |
| Q4 2024 | 42.04% | 97.19% | $0 | $0 |
| Q1 2025 | 59.94% | 95.24% | $1.2M | $0 |
| Q2 2025 | 60.99% | 96.52% | $0 | $0 |
| Q3 2025 | 65.44% | 97.08% | $0 | $0 |
| Q4 2025 | 43.61% | 97.80% | $0 | $0 |
| Q1 2026 | 62.28% | 96.56% | $0 | $0 |
| Q2 2026 | 59.70% | 96.71% | $0 | $0 |
First National Bank of Spearville 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 Spearville, 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 Spearville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4774) · FFIEC NIC profile (RSSD 197254)