First Nations Bank: 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.
Core deposits to total deposits climbed 1.30 percentage points in Q2 2026, from 59.88% to 61.18%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Nations Bank is 39th of 323 on loan-to-deposit ratio, 95.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Nations Bank sits 14.61 points higher, at 95.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $93.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.1M |
| 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 | $17.3M |
| 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 | 95.16% |
| Net loans and leases to deposits | 93.46% |
| Loans and leases to core deposits | 129.45% |
| Core deposits to total deposits | 61.18% |
| Brokered deposits to total deposits | 12.33% |
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 | 102.20% | 66.68% | $16.2M | $31.0M |
| Q4 2023 | 105.56% | 64.87% | $16.1M | $31.0M |
| Q1 2024 | 99.88% | 62.45% | $16.0M | $11.0M |
| Q2 2024 | 99.35% | 59.89% | $22.5M | $6.0M |
| Q3 2024 | 97.97% | 63.55% | $12.8M | $6.0M |
| Q4 2024 | 98.21% | 58.83% | $11.2M | $6.0M |
| Q1 2025 | 98.75% | 58.66% | $16.6M | $6.0M |
| Q2 2025 | 98.40% | 58.52% | $11.9M | $6.0M |
| Q3 2025 | 100.85% | 62.34% | $9.9M | $6.0M |
| Q4 2025 | 99.10% | 59.37% | $17.3M | $6.0M |
| Q1 2026 | 94.77% | 59.88% | $18.9M | $6.0M |
| Q2 2026 | 95.16% | 61.18% | $17.3M | $0 |
First Nations Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Nations Bank, 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 Nations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22282) · FFIEC NIC profile (RSSD 277240)