Bank of Holland: 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.
Fed funds sold and reverse repos climbed 35.8% in Q2 2026, from $13.1M to $17.8M. It was the largest change from Q1 2026 among the key lines here. Within New York, Bank of Holland is 68th of 105 on loan-to-deposit ratio, 78.94% as of Q2 2026, below the middle of the field. At 78.94%, Bank of Holland's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.8M |
| Fed funds sold and reverse repos | $17.8M |
| Fed funds sold and reverse repos to assets | 6.80% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.94% |
| Net loans and leases to deposits | 78.14% |
| Loans and leases to core deposits | 87.77% |
| Core deposits to total deposits | 89.95% |
| 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 | 75.82% | 92.01% | $0 | $0 |
| Q4 2023 | 81.11% | 91.98% | $0 | $5.0M |
| Q1 2024 | 78.07% | 90.29% | $0 | $5.0M |
| Q2 2024 | 80.21% | 90.12% | $0 | $5.0M |
| Q3 2024 | 81.21% | 90.03% | $0 | $5.0M |
| Q4 2024 | 84.48% | 89.80% | $0 | $5.0M |
| Q1 2025 | 82.66% | 89.29% | $0 | $5.0M |
| Q2 2025 | 81.47% | 88.50% | $0 | $5.0M |
| Q3 2025 | 81.34% | 89.21% | $0 | $5.0M |
| Q4 2025 | 83.61% | 89.88% | $0 | $5.0M |
| Q1 2026 | 80.58% | 90.28% | $0 | $5.0M |
| Q2 2026 | 78.94% | 89.95% | $0 | $5.0M |
Bank of Holland liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Holland, 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 Bank of Holland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1464) · FFIEC NIC profile (RSSD 941804)