Alden State 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.
Loan-to-deposit ratio fell 0.59 percentage points from Q1 2026 to Q2 2026, ending at 77.67% against 78.26%. It was the largest change among the key lines on this page. Alden State Bank ranks 69th of 105 New York banks on loan-to-deposit ratio, in the lower half at 77.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Alden State Bank sits 3.16 points lower, at 77.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $135.6M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.22% |
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 | 77.67% |
| Net loans and leases to deposits | 76.88% |
| Loans and leases to core deposits | 85.62% |
| Core deposits to total deposits | 90.72% |
| 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 | 80.26% | 96.26% | $0 | $0 |
| Q4 2023 | 80.08% | 96.06% | $0 | $0 |
| Q1 2024 | 78.56% | 95.64% | $0 | $0 |
| Q2 2024 | 77.83% | 95.80% | $0 | $0 |
| Q3 2024 | 76.61% | 95.70% | $0 | $0 |
| Q4 2024 | 79.04% | 94.96% | $0 | $0 |
| Q1 2025 | 75.91% | 94.46% | $0 | $0 |
| Q2 2025 | 76.98% | 91.27% | $0 | $0 |
| Q3 2025 | 79.52% | 91.32% | $0 | $0 |
| Q4 2025 | 79.51% | 91.10% | $0 | $0 |
| Q1 2026 | 78.26% | 90.98% | $0 | $0 |
| Q2 2026 | 77.67% | 90.72% | $0 | $0 |
Alden State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Alden State 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 Alden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9831) · FFIEC NIC profile (RSSD 414102)