First Savings and Loan Association: 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 Loans and leases to core deposits: 5.39 percentage points lower than in Q1 2026, at 102.99%. First Savings and Loan Association ranks 19th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 84.25% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Savings and Loan Association sits 16.62 points higher, at 84.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.9M |
| Fed funds sold and reverse repos | $5.3M |
| Fed funds sold and reverse repos to assets | 9.49% |
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 | 84.25% |
| Net loans and leases to deposits | 83.82% |
| Loans and leases to core deposits | 102.99% |
| Core deposits to total deposits | 81.80% |
| 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 | 73.90% | 83.71% | $0 | $0 |
| Q4 2023 | 75.19% | 82.44% | $0 | $0 |
| Q1 2024 | 80.61% | 83.35% | $0 | $0 |
| Q2 2024 | 81.72% | 84.25% | $0 | $0 |
| Q3 2024 | 79.19% | 82.67% | $0 | $0 |
| Q4 2024 | 77.19% | 82.12% | $0 | $0 |
| Q1 2025 | 81.16% | 81.04% | $0 | $0 |
| Q2 2025 | 81.83% | 80.13% | $0 | $0 |
| Q3 2025 | 84.74% | 82.81% | $0 | $0 |
| Q4 2025 | 89.25% | 82.75% | $0 | $0 |
| Q1 2026 | 88.71% | 81.85% | $0 | $0 |
| Q2 2026 | 84.25% | 81.80% | $0 | $0 |
First Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30358) · FFIEC NIC profile (RSSD 141677)