First National Bank & Trust: 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 69.1% in Q2 2026, from $49.6M to $15.3M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, First National Bank & Trust is 57th of 72 on loan-to-deposit ratio, 65.67% 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 & Trust sits 15.17 points lower, at 65.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $147.2M |
| 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 | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.67% |
| Net loans and leases to deposits | 64.18% |
| Loans and leases to core deposits | 67.54% |
| Core deposits to total deposits | 92.80% |
| Brokered deposits to total deposits | 4.44% |
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 | 56.01% | 98.64% | $0 | $53.7M |
| Q4 2023 | 56.28% | 98.17% | $0 | $53.7M |
| Q1 2024 | 57.55% | 98.08% | $0 | $53.7M |
| Q2 2024 | 57.66% | 92.45% | $0 | $30.7M |
| Q3 2024 | 53.40% | 93.23% | $0 | $25.0M |
| Q4 2024 | 54.74% | 94.26% | $0 | $20.0M |
| Q1 2025 | 56.48% | 93.87% | $0 | $20.0M |
| Q2 2025 | 60.02% | 93.99% | $964K | $20.0M |
| Q3 2025 | 57.82% | 93.93% | $0 | $20.0M |
| Q4 2025 | 59.23% | 93.52% | $0 | $20.0M |
| Q1 2026 | 59.07% | 93.14% | $0 | $20.0M |
| Q2 2026 | 65.67% | 92.80% | $0 | $10.0M |
First National Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5062) · FFIEC NIC profile (RSSD 251558)