Bangor Savings 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 Other borrowed money: 50.8% higher than in Q1 2026, at $1.01B. Within Maine, Bangor Savings Bank is 17th of 22 on loan-to-deposit ratio, 91.63% as of Q2 2026, below the middle of the field. Bangor Savings Bank reported 91.63% on loan-to-deposit ratio for Q2 2026, 3.43 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $106.7M |
| Cash and noninterest-bearing balances to assets | 1.38% |
| Cash and securities | $1.84B |
| 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 | $276.5M |
| Other borrowed money | $1.01B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.63% |
| Net loans and leases to deposits | 90.91% |
| Loans and leases to core deposits | 93.28% |
| Core deposits to total deposits | 98.22% |
| Brokered deposits to total deposits | 0.01% |
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 | 87.00% | 90.84% | $509.4M | $745.2M |
| Q4 2023 | 90.62% | 91.85% | $551.7M | $841.4M |
| Q1 2024 | 92.32% | 93.76% | $443.4M | $989.6M |
| Q2 2024 | 91.29% | 94.43% | $356.5M | $972.4M |
| Q3 2024 | 89.40% | 92.40% | $344.1M | $848.7M |
| Q4 2024 | 82.80% | 85.34% | $320.6M | $397.1M |
| Q1 2025 | 80.51% | 83.55% | $329.0M | $139.7M |
| Q2 2025 | 85.71% | 89.27% | $302.2M | $525.2M |
| Q3 2025 | 86.79% | 93.29% | $296.7M | $529.8M |
| Q4 2025 | 89.87% | 95.78% | $336.8M | $607.0M |
| Q1 2026 | 89.63% | 98.09% | $311.1M | $671.9M |
| Q2 2026 | 91.63% | 98.22% | $276.5M | $1.01B |
Bangor Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bangor Savings 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 Bangor Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18408) · FFIEC NIC profile (RSSD 419406)