First Trust Bank of Illinois: 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 16.0% in Q2 2026, from $39.5M to $45.8M. It was the largest change from Q1 2026 among the key lines here. First Trust Bank of Illinois has the 23rd lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 44.68% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Trust Bank of Illinois sits 36.16 points lower, at 44.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $239.7M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 1.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $45.8M |
| 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 | 44.68% |
| Net loans and leases to deposits | 44.16% |
| Loans and leases to core deposits | 51.87% |
| Core deposits to total deposits | 86.14% |
| 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 | 49.92% | 91.45% | $29.7M | $0 |
| Q4 2023 | 49.96% | 90.41% | $34.3M | $0 |
| Q1 2024 | 49.11% | 88.70% | $33.0M | $0 |
| Q2 2024 | 50.72% | 88.59% | $30.5M | $0 |
| Q3 2024 | 50.56% | 86.71% | $32.8M | $0 |
| Q4 2024 | 49.99% | 86.34% | $39.8M | $0 |
| Q1 2025 | 47.96% | 85.87% | $42.4M | $0 |
| Q2 2025 | 50.17% | 85.47% | $41.4M | $0 |
| Q3 2025 | 49.89% | 86.34% | $54.0M | $0 |
| Q4 2025 | 49.38% | 86.75% | $43.6M | $0 |
| Q1 2026 | 44.99% | 86.64% | $39.5M | $0 |
| Q2 2026 | 44.68% | 86.14% | $45.8M | $0 |
First Trust Bank of Illinois liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Trust Bank of Illinois, 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 Trust Bank of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34778) · FFIEC NIC profile (RSSD 2718596)