Ascend 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 Cash and balances due from depository institutions: 23.4% lower than in Q1 2026, at $47.2M. Within Connecticut, Ascend Bank is 20th of 27 on loan-to-deposit ratio, 88.15% as of Q2 2026. At 88.15%, Ascend Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $239.5M |
| 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 | $9.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.15% |
| Net loans and leases to deposits | 87.48% |
| Loans and leases to core deposits | 95.38% |
| Core deposits to total deposits | 92.42% |
| 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 | 87.26% | 86.48% | $0 | $67.5M |
| Q4 2023 | 86.26% | 88.56% | $0 | $54.5M |
| Q1 2024 | 86.31% | 89.34% | $0 | $34.4M |
| Q2 2024 | 84.81% | 89.70% | $0 | $16.4M |
| Q3 2024 | 84.51% | 90.10% | $0 | $16.4M |
| Q4 2024 | 84.33% | 89.97% | $0 | $16.4M |
| Q1 2025 | 83.84% | 89.31% | $0 | $16.4M |
| Q2 2025 | 85.50% | 90.16% | $0 | $7.4M |
| Q3 2025 | 87.52% | 91.88% | $0 | $10.0M |
| Q4 2025 | 88.59% | 91.56% | $0 | $9.9M |
| Q1 2026 | 86.80% | 92.39% | $0 | $9.9M |
| Q2 2026 | 88.15% | 92.42% | $0 | $9.8M |
Ascend Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ascend 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 Ascend Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18194) · FFIEC NIC profile (RSSD 831008)