Androscoggin Savings 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: 2.68 percentage points higher than in Q1 2026, at 27.62%. Androscoggin Savings Bank ranks 12th of 22 Maine banks on loan-to-deposit ratio, in the lower half at 103.24% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Androscoggin Savings Bank sits 15.04 points higher, at 103.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $210.8M |
| 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 | $114.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.24% |
| Net loans and leases to deposits | 102.22% |
| Loans and leases to core deposits | 106.07% |
| Core deposits to total deposits | 69.71% |
| Brokered deposits to total deposits | 27.62% |
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 | 98.77% | 73.58% | $5.0M | $106.4M |
| Q4 2023 | 100.25% | 71.47% | $0 | $121.3M |
| Q1 2024 | 101.78% | 72.00% | $0 | $148.3M |
| Q2 2024 | 102.35% | 69.35% | $0 | $138.3M |
| Q3 2024 | 104.58% | 73.87% | $0 | $183.7M |
| Q4 2024 | 104.39% | 73.37% | $0 | $164.5M |
| Q1 2025 | 105.77% | 74.53% | $0 | $179.5M |
| Q2 2025 | 106.09% | 73.12% | $0 | $183.0M |
| Q3 2025 | 107.47% | 74.42% | $0 | $190.6M |
| Q4 2025 | 102.26% | 70.20% | $0 | $153.7M |
| Q1 2026 | 104.34% | 72.10% | $0 | $138.7M |
| Q2 2026 | 103.24% | 69.71% | $0 | $114.1M |
Androscoggin Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Androscoggin Savings 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 Androscoggin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17751) · FFIEC NIC profile (RSSD 132107)