Adelphi 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.
Core deposits to total deposits climbed 3.83 percentage points in Q2 2026, from 72.25% to 76.09%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Adelphi Bank is 32nd of 156 on loan-to-deposit ratio, 94.47% as of Q2 2026. Adelphi Bank reported 94.47% on loan-to-deposit ratio for Q2 2026, 13.92 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.2M |
| Fed funds sold and reverse repos | $20.3M |
| Fed funds sold and reverse repos to assets | 16.34% |
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 | 94.47% |
| Net loans and leases to deposits | 93.15% |
| Loans and leases to core deposits | 94.47% |
| Core deposits to total deposits | 76.09% |
| Brokered deposits to total deposits | 23.91% |
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 | 100.33% | 100.00% | $0 | $0 |
| Q4 2023 | 73.24% | 70.07% | $0 | $0 |
| Q1 2024 | 84.94% | 74.79% | $0 | $0 |
| Q2 2024 | 104.04% | 72.50% | $0 | $0 |
| Q3 2024 | 91.90% | 64.01% | $0 | $0 |
| Q4 2024 | 108.70% | 71.26% | $0 | $0 |
| Q1 2025 | 106.45% | 67.62% | $0 | $0 |
| Q2 2025 | 101.06% | 65.98% | $0 | $0 |
| Q3 2025 | 101.25% | 64.48% | $0 | $0 |
| Q4 2025 | 101.37% | 66.51% | $0 | $0 |
| Q1 2026 | 96.95% | 72.25% | $0 | $0 |
| Q2 2026 | 94.47% | 76.09% | $0 | $0 |
Adelphi Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Adelphi 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 Adelphi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59292) · FFIEC NIC profile (RSSD 5777549)