Arrow Bank N.A.: 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 3334.5% in Q2 2026, from $9.2M to $315.1M. It was the largest change from Q1 2026 among the key lines here. Within New York, Arrow Bank N.A. is 25th of 105 on loan-to-deposit ratio, 95.12% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Arrow Bank N.A. sits 6.92 points higher, at 95.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $186.8M |
| Cash and noninterest-bearing balances to assets | 4.19% |
| Cash and securities | $753.6M |
| 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 | $315.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.12% |
| Net loans and leases to deposits | 94.14% |
| Loans and leases to core deposits | 98.68% |
| Core deposits to total deposits | 96.40% |
| 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 | 81.31% | 97.60% | $0 | $99.9M |
| Q4 2023 | 80.73% | 91.51% | $0 | $6.0M |
| Q1 2024 | 78.15% | 91.53% | $0 | $56.0M |
| Q2 2024 | 81.06% | 91.39% | $0 | $56.0M |
| Q3 2024 | 75.88% | 91.52% | $0 | $56.4M |
| Q4 2024 | 88.67% | 87.93% | $0 | $13.6M |
| Q1 2025 | 86.11% | 87.84% | $0 | $13.6M |
| Q2 2025 | 87.15% | 87.80% | $0 | $13.6M |
| Q3 2025 | 83.94% | 88.32% | $0 | $9.2M |
| Q4 2025 | 87.64% | 88.43% | $0 | $9.2M |
| Q1 2026 | 85.66% | 89.02% | $0 | $9.2M |
| Q2 2026 | 95.12% | 96.40% | $0 | $315.1M |
Arrow Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Arrow Bank N.A., 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 Arrow Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7074) · FFIEC NIC profile (RSSD 866000)