Alpine Capital 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 Loans and leases to core deposits: 1.79 percentage points higher than in Q1 2026, at 87.62%. Alpine Capital Bank ranks 81st of 105 New York banks on loan-to-deposit ratio, in the lower half at 68.35% (Q2 2026). Alpine Capital Bank reported 68.35% on loan-to-deposit ratio for Q2 2026, 12.49 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $87.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.1M |
| 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 | 68.35% |
| Net loans and leases to deposits | 67.50% |
| Loans and leases to core deposits | 87.62% |
| Core deposits to total deposits | 78.00% |
| 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 | 35.20% | 92.18% | $0 | $0 |
| Q4 2023 | 37.70% | 92.05% | $0 | $0 |
| Q1 2024 | 33.11% | 92.99% | $0 | $0 |
| Q2 2024 | 26.93% | 92.70% | $0 | $0 |
| Q3 2024 | 32.37% | 80.53% | $0 | $0 |
| Q4 2024 | 37.53% | 79.18% | $0 | $0 |
| Q1 2025 | 39.83% | 74.57% | $0 | $0 |
| Q2 2025 | 50.58% | 71.65% | $0 | $0 |
| Q3 2025 | 60.80% | 74.55% | $0 | $0 |
| Q4 2025 | 57.65% | 76.11% | $0 | $0 |
| Q1 2026 | 66.70% | 77.71% | $0 | $0 |
| Q2 2026 | 68.35% | 78.00% | $0 | $0 |
Alpine Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Alpine Capital 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 Alpine Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35377) · FFIEC NIC profile (RSSD 2889227)