The Fisher National 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.
Cash and balances due from depository institutions dropped 27.0% in Q2 2026, from $12.1M to $8.8M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Fisher National Bank is 81st of 323 on loan-to-deposit ratio, 87.35% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Fisher National Bank sits 6.51 points higher, at 87.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.5M |
| 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 | $626K |
| Other borrowed money | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.35% |
| Net loans and leases to deposits | 86.59% |
| Loans and leases to core deposits | 92.40% |
| Core deposits to total deposits | 88.41% |
| Brokered deposits to total deposits | 6.13% |
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 | 89.72% | 88.56% | $0 | $41.5M |
| Q4 2023 | 88.38% | 93.20% | $0 | $27.5M |
| Q1 2024 | 87.26% | 93.24% | $0 | $27.5M |
| Q2 2024 | 86.73% | 93.30% | $0 | $24.5M |
| Q3 2024 | 84.57% | 93.70% | $0 | $22.0M |
| Q4 2024 | 89.07% | 92.50% | $733K | $22.0M |
| Q1 2025 | 90.31% | 93.92% | $690K | $23.0M |
| Q2 2025 | 89.64% | 94.78% | $2.2M | $22.3M |
| Q3 2025 | 86.86% | 88.07% | $0 | $21.3M |
| Q4 2025 | 88.15% | 87.88% | $0 | $20.0M |
| Q1 2026 | 86.24% | 88.00% | $0 | $13.0M |
| Q2 2026 | 87.35% | 88.41% | $626K | $13.0M |
The Fisher National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fisher National 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 The Fisher National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17513) · FFIEC NIC profile (RSSD 739832)