FNBC Bank and 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.
Loans and leases to core deposits climbed 1.77 percentage points in Q2 2026, from 62.81% to 64.57%. It was the largest change from Q1 2026 among the key lines here. FNBC Bank and Trust ranks 241st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 62.52% (Q2 2026). FNBC Bank and Trust reported 62.52% on loan-to-deposit ratio for Q2 2026, 18.32 points below 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 | $33.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $237.9M |
| 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 | $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 | 62.52% |
| Net loans and leases to deposits | 61.80% |
| Loans and leases to core deposits | 64.57% |
| Core deposits to total deposits | 96.82% |
| Brokered deposits to total deposits | 0.00% |
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 | 54.51% | 98.28% | $0 | $0 |
| Q4 2023 | 54.21% | 98.03% | $0 | $0 |
| Q1 2024 | 55.68% | 98.19% | $0 | $0 |
| Q2 2024 | 59.96% | 98.14% | $0 | $0 |
| Q3 2024 | 58.53% | 98.01% | $0 | $0 |
| Q4 2024 | 55.58% | 97.97% | $0 | $0 |
| Q1 2025 | 57.22% | 97.81% | $0 | $0 |
| Q2 2025 | 57.41% | 97.63% | $0 | $0 |
| Q3 2025 | 58.51% | 96.40% | $0 | $0 |
| Q4 2025 | 58.25% | 96.76% | $0 | $0 |
| Q1 2026 | 60.94% | 97.03% | $0 | $0 |
| Q2 2026 | 62.52% | 96.82% | $0 | $0 |
FNBC Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC Bank and 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 FNBC Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11306) · FFIEC NIC profile (RSSD 608844)