FNBC 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.
Other borrowed money to assets dropped 2.32 percentage points in Q2 2026, from 10.23% to 7.91%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, FNBC Bank is 38th of 78 on loan-to-deposit ratio, 87.24% as of Q2 2026, above the middle of the field. FNBC Bank reported 87.24% on loan-to-deposit ratio for Q2 2026, 6.41 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $202.0M |
| 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 | $0 |
| Other borrowed money | $66.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.24% |
| Net loans and leases to deposits | 85.57% |
| Loans and leases to core deposits | 95.28% |
| Core deposits to total deposits | 89.92% |
| Brokered deposits to total deposits | 11.05% |
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 | 90.00% | 92.44% | $0 | $168.2M |
| Q4 2023 | 87.21% | 87.67% | $0 | $146.4M |
| Q1 2024 | 86.41% | 91.47% | $0 | $129.7M |
| Q2 2024 | 85.51% | 89.57% | $0 | $111.5M |
| Q3 2024 | 78.71% | 87.53% | $0 | $48.0M |
| Q4 2024 | 78.34% | 88.61% | $0 | $49.0M |
| Q1 2025 | 78.13% | 88.58% | $0 | $30.4M |
| Q2 2025 | 79.28% | 89.50% | $0 | $40.3M |
| Q3 2025 | 82.43% | 90.77% | $0 | $57.6M |
| Q4 2025 | 86.01% | 91.00% | $0 | $83.5M |
| Q1 2026 | 88.09% | 90.97% | $0 | $86.3M |
| Q2 2026 | 87.24% | 89.92% | $0 | $66.7M |
FNBC Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC 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 FNBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1294) · FFIEC NIC profile (RSSD 100843)