First Tri-County 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 Q3 2026 was in Loans and leases to core deposits: 11.45 percentage points higher than in Q2 2026, at 84.16%. Within Nebraska, First Tri-County Bank is 107th of 138 on loan-to-deposit ratio, 75.15% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Tri-County Bank sits 7.53 points higher, at 75.15% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.5M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 2.45% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.15% |
| Net loans and leases to deposits | 74.35% |
| Loans and leases to core deposits | 84.16% |
| Core deposits to total deposits | 89.30% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 84.82% | 97.27% | $0 | $8.0M |
| Q1 2024 | 77.46% | 95.32% | $0 | $2.0M |
| Q2 2024 | 82.38% | 95.79% | $0 | $6.0M |
| Q3 2024 | 86.10% | 94.73% | $0 | $9.0M |
| Q4 2024 | 81.93% | 94.90% | $0 | $5.0M |
| Q1 2025 | 76.28% | 95.77% | $0 | $0 |
| Q2 2025 | 79.43% | 95.01% | $0 | $0 |
| Q3 2025 | 80.21% | 90.97% | $0 | $0 |
| Q4 2025 | 75.84% | 91.20% | $0 | $0 |
| Q1 2026 | 68.31% | 90.60% | $0 | $0 |
| Q2 2026 | 65.81% | 90.51% | $0 | $0 |
| Q3 2026 | 75.15% | 89.30% | $0 | $0 |
First Tri-County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Tri-County 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 Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8333) · FFIEC NIC profile (RSSD 570651)