First Secure Community 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 Loans and leases to core deposits: 2.79 percentage points higher than in Q1 2026, at 105.61%. Within Illinois, First Secure Community Bank is 54th of 323 on loan-to-deposit ratio, 91.41% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Secure Community Bank sits 10.85 points higher, at 91.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $112.2M |
| 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 | $50.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.41% |
| Net loans and leases to deposits | 90.51% |
| Loans and leases to core deposits | 105.61% |
| Core deposits to total deposits | 86.55% |
| 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 | 65.14% | 88.81% | $0 | $35.0M |
| Q4 2023 | 69.70% | 88.43% | $0 | $30.0M |
| Q1 2024 | 73.51% | 85.21% | $0 | $25.0M |
| Q2 2024 | 77.74% | 86.26% | $0 | $31.0M |
| Q3 2024 | 76.91% | 86.40% | $0 | $25.0M |
| Q4 2024 | 74.10% | 86.32% | $10.0M | $20.0M |
| Q1 2025 | 76.98% | 88.10% | $0 | $35.0M |
| Q2 2025 | 82.83% | 87.26% | $0 | $43.0M |
| Q3 2025 | 83.23% | 88.46% | $0 | $35.0M |
| Q4 2025 | 89.48% | 87.74% | $0 | $53.0M |
| Q1 2026 | 90.42% | 87.93% | $0 | $54.0M |
| Q2 2026 | 91.41% | 86.55% | $0 | $50.0M |
First Secure Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Community 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 Secure Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35223) · FFIEC NIC profile (RSSD 2805535)