Amalgamated 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 dropped 1.90 percentage points in Q2 2026, from 97.55% to 95.65%. It was the largest change from Q1 2026 among the key lines here. Within New York, Amalgamated Bank is 87th of 105 on loan-to-deposit ratio, 60.69% as of Q2 2026. Amalgamated Bank reported 60.69% on loan-to-deposit ratio for Q2 2026, 27.51 points below 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 | $167.8M |
| Cash and noninterest-bearing balances to assets | 1.78% |
| Cash and securities | $3.98B |
| Fed funds sold and reverse repos | $59.3M |
| Fed funds sold and reverse repos to assets | 0.63% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.69% |
| Net loans and leases to deposits | 59.88% |
| Loans and leases to core deposits | 61.07% |
| Core deposits to total deposits | 95.65% |
| Brokered deposits to total deposits | 3.72% |
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 | 62.24% | 93.66% | $0 | $234.4M |
| Q4 2023 | 62.32% | 95.27% | $0 | $234.4M |
| Q1 2024 | 60.23% | 95.53% | $0 | $69.1M |
| Q2 2024 | 59.82% | 97.04% | $0 | $9.1M |
| Q3 2024 | 60.21% | 97.77% | $0 | $4.8M |
| Q4 2024 | 65.13% | 91.95% | $0 | $250.7M |
| Q1 2025 | 62.78% | 91.54% | $0 | $6.0M |
| Q2 2025 | 60.78% | 89.57% | $0 | $11.7M |
| Q3 2025 | 61.17% | 91.57% | $0 | $11.7M |
| Q4 2025 | 62.06% | 97.38% | $0 | $5.8M |
| Q1 2026 | 61.30% | 97.55% | $0 | $5.8M |
| Q2 2026 | 60.69% | 95.65% | $0 | $5.9M |
Amalgamated Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Amalgamated 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 Amalgamated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 622) · FFIEC NIC profile (RSSD 661308)