The Baltic State 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 Loans and leases to core deposits: 1.55 percentage points higher than in Q1 2026, at 93.74%. The Baltic State Bank ranks 66th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 85.14% (Q2 2026). The Baltic State Bank reported 85.14% on loan-to-deposit ratio for Q2 2026, 4.30 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 | $17.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.0M |
| Fed funds sold and reverse repos | $15.1M |
| Fed funds sold and reverse repos to assets | 11.68% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.14% |
| Net loans and leases to deposits | 84.32% |
| Loans and leases to core deposits | 93.74% |
| Core deposits to total deposits | 90.83% |
| 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 | 85.11% | 94.77% | $0 | $0 |
| Q4 2023 | 83.98% | 94.82% | $0 | $0 |
| Q1 2024 | 88.69% | 94.71% | $0 | $0 |
| Q2 2024 | 93.30% | 92.08% | $0 | $2.0M |
| Q3 2024 | 90.46% | 89.40% | $0 | $0 |
| Q4 2024 | 86.45% | 89.58% | $0 | $0 |
| Q1 2025 | 89.72% | 89.17% | $0 | $0 |
| Q2 2025 | 89.21% | 88.85% | $0 | $0 |
| Q3 2025 | 88.76% | 91.50% | $0 | $0 |
| Q4 2025 | 82.48% | 91.62% | $0 | $0 |
| Q1 2026 | 83.93% | 91.04% | $0 | $0 |
| Q2 2026 | 85.14% | 90.83% | $0 | $0 |
The Baltic State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baltic State 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 The Baltic State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17759) · FFIEC NIC profile (RSSD 112510)