First Security 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.
Fed funds purchased and repos climbed 361.2% in Q2 2026, from $1.7M to $7.9M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Security Bank ranks 23rd highest among the 323 banks headquartered in Illinois, at 98.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Security Bank sits 17.65 points higher, at 98.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.6M |
| 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 | $7.9M |
| 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 | 98.21% |
| Net loans and leases to deposits | 97.11% |
| Loans and leases to core deposits | 119.04% |
| Core deposits to total deposits | 82.50% |
| 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 | 87.43% | 87.06% | $0 | $0 |
| Q4 2023 | 89.21% | 87.71% | $0 | $0 |
| Q1 2024 | 82.75% | 90.00% | $0 | $0 |
| Q2 2024 | 86.87% | 87.17% | $0 | $0 |
| Q3 2024 | 87.77% | 86.00% | $0 | $0 |
| Q4 2024 | 84.30% | 85.97% | $0 | $0 |
| Q1 2025 | 84.16% | 87.23% | $0 | $0 |
| Q2 2025 | 87.78% | 87.51% | $0 | $0 |
| Q3 2025 | 83.87% | 83.58% | $0 | $0 |
| Q4 2025 | 89.84% | 81.68% | $41K | $0 |
| Q1 2026 | 94.97% | 82.92% | $1.7M | $3.0M |
| Q2 2026 | 98.21% | 82.50% | $7.9M | $0 |
First Security Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3698) · FFIEC NIC profile (RSSD 416339)