First United Bank & Trust: 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 253.4% in Q2 2026, from $19.6M to $69.2M. It was the largest change from Q1 2026 among the key lines here. Within Maryland, First United Bank & Trust is 10th of 27 on loan-to-deposit ratio, 90.16% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First United Bank & Trust reported 90.16% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $85.2M |
| Cash and noninterest-bearing balances to assets | 4.15% |
| Cash and securities | $349.5M |
| 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 | $69.2M |
| 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 | 90.16% |
| Net loans and leases to deposits | 88.97% |
| Loans and leases to core deposits | 92.69% |
| Core deposits to total deposits | 95.83% |
| Brokered deposits to total deposits | 1.43% |
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 | 86.92% | 93.22% | $53.3M | $80.0M |
| Q4 2023 | 90.08% | 94.97% | $45.4M | $80.0M |
| Q1 2024 | 89.64% | 95.27% | $39.5M | $80.0M |
| Q2 2024 | 92.10% | 96.28% | $22.6M | $80.0M |
| Q3 2024 | 93.59% | 97.27% | $21.2M | $119.0M |
| Q4 2024 | 93.68% | 97.23% | $15.4M | $140.0M |
| Q1 2025 | 90.68% | 94.07% | $20.3M | $90.0M |
| Q2 2025 | 92.55% | 93.95% | $21.8M | $119.1M |
| Q3 2025 | 88.78% | 93.72% | $20.2M | $65.0M |
| Q4 2025 | 87.28% | 94.12% | $17.7M | $65.0M |
| Q1 2026 | 86.77% | 95.78% | $19.6M | $0 |
| Q2 2026 | 90.16% | 95.83% | $69.2M | $0 |
First United Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank & Trust, 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 United Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4857) · FFIEC NIC profile (RSSD 61122)