Alma 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 Brokered deposits to total deposits: 1.44 percentage points lower than in Q1 2026, at 14.54%. Alma Bank ranks 13th of 105 New York banks on loan-to-deposit ratio, in the upper half at 102.20% (Q2 2026). Alma Bank reported 102.20% on loan-to-deposit ratio for Q2 2026, 14.00 points above 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 | $126.6M |
| Cash and noninterest-bearing balances to assets | 7.90% |
| Cash and securities | $191.4M |
| Fed funds sold and reverse repos | $298K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $90.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.20% |
| Net loans and leases to deposits | 100.33% |
| Loans and leases to core deposits | 109.30% |
| Core deposits to total deposits | 78.96% |
| Brokered deposits to total deposits | 14.54% |
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 | 96.01% | 81.55% | $0 | $6.0M |
| Q4 2023 | 100.21% | 76.63% | $0 | $57.9M |
| Q1 2024 | 95.88% | 77.85% | $0 | $5.8M |
| Q2 2024 | 101.06% | 78.55% | $0 | $50.8M |
| Q3 2024 | 101.79% | 75.16% | $0 | $50.8M |
| Q4 2024 | 100.92% | 74.76% | $0 | $50.8M |
| Q1 2025 | 100.44% | 77.12% | $0 | $50.8M |
| Q2 2025 | 102.13% | 77.99% | $0 | $70.7M |
| Q3 2025 | 100.54% | 78.98% | $0 | $70.7M |
| Q4 2025 | 101.11% | 78.51% | $0 | $70.7M |
| Q1 2026 | 102.22% | 77.84% | $0 | $85.7M |
| Q2 2026 | 102.20% | 78.96% | $0 | $90.7M |
Alma Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Alma 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 Alma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58424) · FFIEC NIC profile (RSSD 3633173)