First Secure Bank and Trust Co.: 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: 4.62 percentage points higher than in Q1 2026, at 109.38%. First Secure Bank and Trust Co. ranks 35th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 95.83% (Q2 2026). First Secure Bank and Trust Co. reported 95.83% on loan-to-deposit ratio for Q2 2026, 14.99 points above 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 | $66.5M |
| Cash and noninterest-bearing balances to assets | 16.78% |
| Cash and securities | $86.3M |
| 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 | 10.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.83% |
| Net loans and leases to deposits | 94.73% |
| Loans and leases to core deposits | 109.38% |
| Core deposits to total deposits | 87.62% |
| 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 | 87.54% | 86.56% | $0 | $0 |
| Q4 2023 | 88.97% | 85.79% | $0 | $0 |
| Q1 2024 | 88.61% | 86.66% | $0 | $0 |
| Q2 2024 | 88.57% | 86.22% | $0 | $0 |
| Q3 2024 | 88.64% | 85.94% | $0 | $0 |
| Q4 2024 | 81.69% | 86.02% | $0 | $0 |
| Q1 2025 | 84.02% | 84.35% | $0 | $15.0M |
| Q2 2025 | 90.61% | 84.54% | $0 | $27.0M |
| Q3 2025 | 85.58% | 86.95% | $0 | $6.0M |
| Q4 2025 | 93.55% | 85.46% | $0 | $42.0M |
| Q1 2026 | 91.30% | 87.16% | $0 | $39.0M |
| Q2 2026 | 95.83% | 87.62% | $0 | $40.0M |
First Secure Bank and Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Bank and Trust Co., 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 Secure Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22536) · FFIEC NIC profile (RSSD 25647)