The Frederick Community 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 32.2% lower than in Q1 2026, at $19.3M. Within Illinois, The Frederick Community Bank is 262nd of 323 on loan-to-deposit ratio, 54.68% as of Q2 2026, below the middle of the field. The Frederick Community Bank reported 54.68% on loan-to-deposit ratio for Q2 2026, 26.16 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 | $19.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.9M |
| 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 | 54.68% |
| Net loans and leases to deposits | 54.09% |
| Loans and leases to core deposits | 57.62% |
| Core deposits to total deposits | 94.90% |
| 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 | 49.22% | 95.10% | $0 | $0 |
| Q4 2023 | 47.27% | 95.02% | $0 | $0 |
| Q1 2024 | 48.91% | 94.40% | $0 | $0 |
| Q2 2024 | 52.44% | 94.59% | $0 | $0 |
| Q3 2024 | 56.33% | 94.15% | $0 | $0 |
| Q4 2024 | 51.05% | 94.77% | $0 | $0 |
| Q1 2025 | 48.29% | 94.87% | $0 | $0 |
| Q2 2025 | 53.10% | 94.75% | $0 | $0 |
| Q3 2025 | 54.83% | 94.49% | $0 | $0 |
| Q4 2025 | 57.46% | 94.67% | $0 | $0 |
| Q1 2026 | 51.67% | 94.66% | $0 | $0 |
| Q2 2026 | 54.68% | 94.90% | $0 | $0 |
The Frederick Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Frederick Community 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 Frederick Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10446) · FFIEC NIC profile (RSSD 687830)