Idaho First 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.
Loans and leases to core deposits climbed 6.65 percentage points in Q2 2026, from 74.43% to 81.08%. It was the largest change from Q1 2026 among the key lines here. Within Idaho, Idaho First Bank is 4th of 10 on loan-to-deposit ratio, 78.20% as of Q2 2026, above the middle of the field. Idaho First Bank reported 78.20% on loan-to-deposit ratio for Q2 2026, 10.01 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $397.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $405.5M |
| 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 | $0 |
| Other borrowed money | $1.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.20% |
| Net loans and leases to deposits | 77.23% |
| Loans and leases to core deposits | 81.08% |
| Core deposits to total deposits | 96.00% |
| Brokered deposits to total deposits | 0.44% |
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 | 95.82% | 80.63% | $0 | $12.2M |
| Q4 2023 | 96.77% | 79.44% | $0 | $10.9M |
| Q1 2024 | 93.91% | 77.21% | $0 | $4.5M |
| Q2 2024 | 92.91% | 81.21% | $0 | $4.2M |
| Q3 2024 | 82.81% | 84.97% | $0 | $2.0M |
| Q4 2024 | 73.84% | 87.25% | $0 | $1.7M |
| Q1 2025 | 67.08% | 92.08% | $0 | $443K |
| Q2 2025 | 63.72% | 93.68% | $0 | $148K |
| Q3 2025 | 64.55% | 94.68% | $0 | $1.8M |
| Q4 2025 | 61.39% | 95.73% | $0 | $1.8M |
| Q1 2026 | 71.59% | 95.36% | $0 | $1.8M |
| Q2 2026 | 78.20% | 96.00% | $0 | $1.8M |
Idaho First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Idaho First 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 Idaho First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58095) · FFIEC NIC profile (RSSD 3384952)