Apple 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.
Other borrowed money climbed 18.4% in Q2 2026, from $1.55B to $1.83B. It was the largest change from Q1 2026 among the key lines here. Apple Bank ranks 52nd of 105 New York banks on loan-to-deposit ratio, in the upper half at 85.61% (Q2 2026). At 85.61%, Apple Bank's loan-to-deposit ratio is close to the 86.87% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $744.8M |
| Cash and noninterest-bearing balances to assets | 3.75% |
| Cash and securities | $4.90B |
| 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 | $1.83B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.61% |
| Net loans and leases to deposits | 85.28% |
| Loans and leases to core deposits | 96.87% |
| Core deposits to total deposits | 80.07% |
| Brokered deposits to total deposits | 8.30% |
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 | 77.38% | 82.60% | $0 | $200.7M |
| Q4 2023 | 78.71% | 82.35% | $0 | $450.7M |
| Q1 2024 | 78.19% | 82.67% | $0 | $450.7M |
| Q2 2024 | 80.96% | 84.46% | $0 | $767.2M |
| Q3 2024 | 83.14% | 85.23% | $1.8M | $1.07B |
| Q4 2024 | 84.09% | 82.79% | $0 | $1.22B |
| Q1 2025 | 84.77% | 80.91% | $0 | $1.29B |
| Q2 2025 | 88.25% | 80.82% | $0 | $1.86B |
| Q3 2025 | 85.55% | 79.69% | $0 | $1.49B |
| Q4 2025 | 84.90% | 79.89% | $0 | $1.65B |
| Q1 2026 | 84.96% | 80.83% | $0 | $1.55B |
| Q2 2026 | 85.61% | 80.07% | $0 | $1.83B |
Apple Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Apple 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 Apple Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16068) · FFIEC NIC profile (RSSD 249612)