First US 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 sold and reverse repos dropped 74.3% in Q2 2026, from $18.9M to $4.8M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First US Bank is 18th of 93 on loan-to-deposit ratio, 85.71% as of Q2 2026, above the middle of the field. At 85.71%, First US Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.8M |
| Cash and noninterest-bearing balances to assets | 5.14% |
| Cash and securities | $229.7M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 0.42% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.18% |
| Trading liabilities | $89K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.71% |
| Net loans and leases to deposits | 84.63% |
| Loans and leases to core deposits | 89.72% |
| Core deposits to total deposits | 83.80% |
| Brokered deposits to total deposits | 11.74% |
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 | 87.67% | 84.92% | $0 | $30.0M |
| Q4 2023 | 86.32% | 86.27% | $0 | $10.0M |
| Q1 2024 | 86.99% | 85.59% | $0 | $15.0M |
| Q2 2024 | 85.60% | 85.26% | $0 | $15.0M |
| Q3 2024 | 81.71% | 84.98% | $0 | $0 |
| Q4 2024 | 84.39% | 86.11% | $0 | $10.0M |
| Q1 2025 | 87.90% | 84.63% | $20.0M | $25.0M |
| Q2 2025 | 87.98% | 82.76% | $0 | $35.0M |
| Q3 2025 | 86.11% | 83.70% | $0 | $20.0M |
| Q4 2025 | 82.44% | 81.67% | $0 | $0 |
| Q1 2026 | 80.73% | 82.30% | $0 | $0 |
| Q2 2026 | 85.71% | 83.80% | $0 | $25.0M |
First US Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First US 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 US Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17077) · FFIEC NIC profile (RSSD 259330)