Aroostook County Federal Savings & Loan Association: 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: 3.24 percentage points higher than in Q1 2026, at 100.29%. On loan-to-deposit ratio, Aroostook County Federal Savings & Loan Association is 3rd from the bottom among 22 Maine banks, 89.15% (Q2 2026). Aroostook County Federal Savings & Loan Association reported 89.15% on loan-to-deposit ratio for Q2 2026, 8.31 points above 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 | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.6M |
| 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 | $7.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.15% |
| Net loans and leases to deposits | 88.67% |
| Loans and leases to core deposits | 100.29% |
| Core deposits to total deposits | 88.89% |
| 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 | 82.30% | 90.17% | $0 | $4.1M |
| Q4 2023 | 81.70% | 90.46% | $0 | $7.1M |
| Q1 2024 | 82.75% | 88.32% | $0 | $7.1M |
| Q2 2024 | 80.61% | 88.26% | $0 | $6.6M |
| Q3 2024 | 79.86% | 88.41% | $0 | $6.6M |
| Q4 2024 | 75.79% | 90.89% | $0 | $6.6M |
| Q1 2025 | 77.22% | 89.43% | $0 | $3.6M |
| Q2 2025 | 79.33% | 89.21% | $0 | $4.5M |
| Q3 2025 | 81.52% | 89.87% | $0 | $4.5M |
| Q4 2025 | 83.04% | 89.58% | $0 | $4.5M |
| Q1 2026 | 86.38% | 89.01% | $0 | $6.5M |
| Q2 2026 | 89.15% | 88.89% | $0 | $7.5M |
Aroostook County Federal Savings & Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Aroostook County Federal Savings & Loan Association, 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 Aroostook County Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29743) · FFIEC NIC profile (RSSD 351878)