First Neighbor Bank, N.A.: 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: 38.8% lower than in Q1 2026, at $1.6M. First Neighbor Bank, N.A. ranks 79th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 87.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Neighbor Bank, N.A. sits 6.67 points higher, at 87.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $81.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $166.8M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.8M |
| Other borrowed money | $42.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.51% |
| Net loans and leases to deposits | 86.40% |
| Loans and leases to core deposits | 95.79% |
| Core deposits to total deposits | 85.40% |
| Brokered deposits to total deposits | 6.74% |
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 | 91.92% | 95.40% | $5.3M | $33.7M |
| Q4 2023 | 96.21% | 91.68% | $5.7M | $33.4M |
| Q1 2024 | 95.48% | 91.04% | $5.7M | $33.4M |
| Q2 2024 | 96.59% | 90.85% | $6.1M | $33.4M |
| Q3 2024 | 98.43% | 90.73% | $5.4M | $45.4M |
| Q4 2024 | 99.54% | 91.12% | $5.2M | $45.2M |
| Q1 2025 | 97.49% | 91.52% | $5.7M | $43.2M |
| Q2 2025 | 100.20% | 91.37% | $6.5M | $43.2M |
| Q3 2025 | 92.94% | 78.84% | $5.8M | $43.2M |
| Q4 2025 | 92.50% | 85.05% | $6.8M | $42.9M |
| Q1 2026 | 86.01% | 85.45% | $6.7M | $42.9M |
| Q2 2026 | 87.51% | 85.40% | $5.8M | $42.9M |
First Neighbor Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Neighbor Bank, N.A., 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 Neighbor Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3747) · FFIEC NIC profile (RSSD 413646)