First Robinson Savings 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.
Loans and leases to core deposits climbed 8.47 percentage points in Q2 2026, from 88.84% to 97.31%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Robinson Savings Bank, N.A. is 110th of 323 on loan-to-deposit ratio, 82.34% as of Q2 2026, above the middle of the field. At 82.34%, First Robinson Savings Bank, N.A.'s loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $158.9M |
| 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 | $44.4M |
| Other borrowed money | $13.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.34% |
| Net loans and leases to deposits | 81.39% |
| Loans and leases to core deposits | 97.31% |
| Core deposits to total deposits | 84.62% |
| 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 | 69.07% | 92.64% | $36.5M | $45.0M |
| Q4 2023 | 69.29% | 92.03% | $51.8M | $35.0M |
| Q1 2024 | 66.17% | 87.21% | $50.1M | $0 |
| Q2 2024 | 66.99% | 87.01% | $48.1M | $0 |
| Q3 2024 | 60.82% | 84.90% | $54.7M | $0 |
| Q4 2024 | 65.15% | 83.78% | $39.8M | $0 |
| Q1 2025 | 65.65% | 87.08% | $41.8M | $0 |
| Q2 2025 | 72.12% | 86.82% | $45.5M | $0 |
| Q3 2025 | 71.17% | 84.70% | $44.9M | $0 |
| Q4 2025 | 74.88% | 84.27% | $43.7M | $0 |
| Q1 2026 | 75.51% | 84.99% | $47.7M | $0 |
| Q2 2026 | 82.34% | 84.62% | $44.4M | $13.7M |
First Robinson Savings 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 Robinson Savings 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 Robinson Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28105) · FFIEC NIC profile (RSSD 660271)