Infirst 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 rose 0.44 percentage points from Q1 2026 to Q2 2026, ending at 109.32% against 108.88%. It was the largest change among the key lines on this page. Within Pennsylvania, Infirst Bank is 27th of 109 on loan-to-deposit ratio, 98.41% 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. Infirst Bank sits 17.57 points higher, at 98.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.5M |
| 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 | $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 | 98.41% |
| Net loans and leases to deposits | 97.27% |
| Loans and leases to core deposits | 109.32% |
| Core deposits to total deposits | 90.02% |
| 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 | 102.03% | 92.37% | $0 | $4.0M |
| Q4 2023 | 102.19% | 91.80% | $0 | $8.3M |
| Q1 2024 | 99.46% | 91.82% | $0 | $2.0M |
| Q2 2024 | 97.96% | 91.23% | $0 | $2.0M |
| Q3 2024 | 99.32% | 90.64% | $0 | $2.0M |
| Q4 2024 | 98.95% | 90.88% | $0 | $2.0M |
| Q1 2025 | 99.34% | 90.92% | $0 | $0 |
| Q2 2025 | 98.38% | 90.91% | $0 | $0 |
| Q3 2025 | 96.71% | 90.58% | $0 | $0 |
| Q4 2025 | 97.91% | 90.02% | $0 | $0 |
| Q1 2026 | 98.28% | 90.26% | $0 | $0 |
| Q2 2026 | 98.41% | 90.02% | $0 | $0 |
Infirst Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Infirst 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 Infirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27763) · FFIEC NIC profile (RSSD 904171)