The First National Bank of Sycamore: 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: 95.6% lower than in Q1 2026, at $156K. Within Ohio, The First National Bank of Sycamore is 109th of 156 on loan-to-deposit ratio, 73.82% as of Q2 2026, below the middle of the field. The First National Bank of Sycamore reported 73.82% on loan-to-deposit ratio for Q2 2026, 7.02 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 | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $76.5M |
| Fed funds sold and reverse repos | $156K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.82% |
| Net loans and leases to deposits | 73.05% |
| Loans and leases to core deposits | 80.35% |
| Core deposits to total deposits | 91.87% |
| 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 | 66.62% | 88.59% | $0 | $15.8M |
| Q4 2023 | 71.12% | 84.76% | $0 | $20.8M |
| Q1 2024 | 69.37% | 89.51% | $0 | $19.9M |
| Q2 2024 | 66.28% | 90.98% | $0 | $9.9M |
| Q3 2024 | 65.96% | 91.24% | $0 | $12.9M |
| Q4 2024 | 66.20% | 90.33% | $0 | $9.9M |
| Q1 2025 | 61.80% | 92.55% | $0 | $9.8M |
| Q2 2025 | 65.39% | 91.97% | $0 | $9.8M |
| Q3 2025 | 66.58% | 91.65% | $0 | $9.8M |
| Q4 2025 | 71.42% | 91.47% | $0 | $9.8M |
| Q1 2026 | 71.08% | 91.63% | $0 | $9.7M |
| Q2 2026 | 73.82% | 91.87% | $0 | $9.7M |
The First National Bank of Sycamore 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 Sycamore, 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 Sycamore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6706) · FFIEC NIC profile (RSSD 553926)