FNB Bank, Inc.: 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 climbed 29.8% in Q2 2026, from $3.1M to $4.1M. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, FNB Bank, Inc. is 18th of 41 on loan-to-deposit ratio, 84.82% 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. FNB Bank, Inc. sits 3.99 points higher, at 84.82% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.2M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 1.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.82% |
| Net loans and leases to deposits | 84.00% |
| Loans and leases to core deposits | 98.23% |
| Core deposits to total deposits | 86.35% |
| Brokered deposits to total deposits | 5.75% |
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 | 92.59% | 86.18% | $829K | $20.2M |
| Q4 2023 | 90.81% | 84.40% | $0 | $18.0M |
| Q1 2024 | 88.32% | 83.39% | $0 | $16.4M |
| Q2 2024 | 87.51% | 84.48% | $0 | $13.7M |
| Q3 2024 | 88.38% | 84.41% | $0 | $16.6M |
| Q4 2024 | 87.52% | 83.45% | $0 | $9.1M |
| Q1 2025 | 85.44% | 84.20% | $0 | $8.7M |
| Q2 2025 | 88.48% | 84.31% | $1.3M | $7.7M |
| Q3 2025 | 87.83% | 84.84% | $0 | $9.9M |
| Q4 2025 | 85.91% | 84.56% | $0 | $5.2M |
| Q1 2026 | 85.52% | 85.62% | $0 | $2.5M |
| Q2 2026 | 84.82% | 86.35% | $0 | $1.9M |
FNB Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Bank, Inc., 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 FNB Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6794) · FFIEC NIC profile (RSSD 969639)