First Pioneer National 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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 46.4% lower than in Q1 2026, at $2.1M. First Pioneer National Bank ranks 49th of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 63.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Pioneer National Bank sits 17.45 points lower, at 63.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.4M |
| 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 | $2.1M |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.49% |
| Net loans and leases to deposits | 62.81% |
| Loans and leases to core deposits | 76.41% |
| Core deposits to total deposits | 83.10% |
| 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 | 56.28% | 86.02% | $3.4M | $18.6M |
| Q4 2023 | 58.08% | 88.30% | $3.7M | $16.0M |
| Q1 2024 | 56.67% | 84.05% | $3.2M | $7.1M |
| Q2 2024 | 59.20% | 85.53% | $3.7M | $15.0M |
| Q3 2024 | 64.02% | 87.57% | $3.5M | $19.8M |
| Q4 2024 | 64.34% | 84.84% | $3.9M | $11.7M |
| Q1 2025 | 62.15% | 84.76% | $3.6M | $5.0M |
| Q2 2025 | 62.91% | 83.48% | $3.8M | $5.2M |
| Q3 2025 | 67.16% | 82.48% | $3.6M | $14.8M |
| Q4 2025 | 65.23% | 83.66% | $3.6M | $5.0M |
| Q1 2026 | 63.13% | 84.42% | $3.9M | $5.0M |
| Q2 2026 | 63.49% | 83.10% | $2.1M | $5.0M |
First Pioneer National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Pioneer National 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 Pioneer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3063) · FFIEC NIC profile (RSSD 357553)