First Northern Bank of Wyoming: 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.
Other borrowed money climbed 100.0% in Q2 2026, from $20.0M to $40.0M. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, First Northern Bank of Wyoming is 9th of 23 on loan-to-deposit ratio, 74.42% as of Q2 2026, above the middle of the field. First Northern Bank of Wyoming reported 74.42% on loan-to-deposit ratio for Q2 2026, 6.42 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $296.0M |
| 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 | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.42% |
| Net loans and leases to deposits | 73.62% |
| Loans and leases to core deposits | 82.84% |
| Core deposits to total deposits | 89.84% |
| 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 | 63.88% | 80.18% | $0 | $12.0M |
| Q4 2023 | 64.52% | 80.48% | $0 | $0 |
| Q1 2024 | 66.44% | 78.66% | $0 | $10.0M |
| Q2 2024 | 70.28% | 78.50% | $0 | $35.0M |
| Q3 2024 | 65.42% | 76.71% | $0 | $20.0M |
| Q4 2024 | 63.26% | 77.69% | $0 | $20.0M |
| Q1 2025 | 65.50% | 77.60% | $0 | $20.0M |
| Q2 2025 | 69.60% | 77.62% | $900K | $20.0M |
| Q3 2025 | 69.49% | 79.79% | $0 | $25.0M |
| Q4 2025 | 68.81% | 89.98% | $0 | $0 |
| Q1 2026 | 71.36% | 89.71% | $0 | $20.0M |
| Q2 2026 | 74.42% | 89.84% | $0 | $40.0M |
First Northern Bank of Wyoming 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 of Wyoming, 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 of Wyoming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2208) · FFIEC NIC profile (RSSD 868956)