First Northern Bank and Trust Company: 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.
Compared with Q1 2026, Core deposits to total deposits fell 0.59 percentage points in Q2 2026 to 94.86%, the biggest move on this page. First Northern Bank and Trust Company ranks 86th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 75.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Northern Bank and Trust Company sits 5.73 points lower, at 75.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $270.4M |
| Fed funds sold and reverse repos | $29.6M |
| Fed funds sold and reverse repos to assets | 3.21% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 75.21% |
| Net loans and leases to deposits | 74.03% |
| Loans and leases to core deposits | 79.29% |
| Core deposits to total deposits | 94.86% |
| 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 | 60.59% | 97.40% | $0 | $0 |
| Q4 2023 | 67.40% | 96.90% | $0 | $0 |
| Q1 2024 | 71.09% | 96.69% | $0 | $0 |
| Q2 2024 | 71.69% | 96.58% | $0 | $0 |
| Q3 2024 | 67.57% | 96.78% | $0 | $0 |
| Q4 2024 | 68.42% | 96.54% | $0 | $0 |
| Q1 2025 | 69.56% | 96.34% | $0 | $0 |
| Q2 2025 | 75.90% | 96.01% | $0 | $0 |
| Q3 2025 | 69.98% | 96.22% | $0 | $0 |
| Q4 2025 | 73.34% | 95.74% | $0 | $0 |
| Q1 2026 | 75.51% | 95.45% | $0 | $0 |
| Q2 2026 | 75.21% | 94.86% | $0 | $0 |
First Northern Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northern Bank and Trust Company, 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 Northern Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7675) · FFIEC NIC profile (RSSD 186717)