First National Bank of Waterloo: 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.
Cash and balances due from depository institutions dropped 38.4% in Q2 2026, from $91.7M to $56.5M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank of Waterloo is 203rd of 323 on loan-to-deposit ratio, 70.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Waterloo sits 10.49 points lower, at 70.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $329.5M |
| Fed funds sold and reverse repos | $31.2M |
| Fed funds sold and reverse repos to assets | 3.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $32.0M |
| Other borrowed money | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.35% |
| Net loans and leases to deposits | 69.25% |
| Loans and leases to core deposits | 76.27% |
| Core deposits to total deposits | 92.24% |
| 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 | 69.64% | 93.92% | $50.8M | $17.5M |
| Q4 2023 | 68.39% | 93.64% | $58.9M | $15.0M |
| Q1 2024 | 68.84% | 92.56% | $61.0M | $15.0M |
| Q2 2024 | 70.28% | 92.71% | $32.8M | $35.0M |
| Q3 2024 | 69.61% | 92.01% | $27.0M | $35.0M |
| Q4 2024 | 67.50% | 92.20% | $34.7M | $35.0M |
| Q1 2025 | 69.85% | 92.77% | $36.9M | $40.0M |
| Q2 2025 | 68.64% | 92.57% | $28.4M | $35.0M |
| Q3 2025 | 71.07% | 92.87% | $42.8M | $25.0M |
| Q4 2025 | 71.05% | 93.65% | $46.1M | $25.0M |
| Q1 2026 | 68.21% | 93.64% | $40.8M | $25.0M |
| Q2 2026 | 70.35% | 92.24% | $32.0M | $20.0M |
First National Bank of Waterloo 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 Waterloo, 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 Waterloo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3842) · FFIEC NIC profile (RSSD 145545)