Bank of Utica: 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.
Core deposits to total deposits dropped 1.48 percentage points in Q2 2026, from 86.62% to 85.14%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Utica is 6th from the bottom among 105 New York banks, 14.37% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, Bank of Utica reported 14.37% on loan-to-deposit ratio in Q2 2026, 73.83 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.33B |
| 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 | $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 | 14.37% |
| Net loans and leases to deposits | 14.25% |
| Loans and leases to core deposits | 16.88% |
| Core deposits to total deposits | 85.14% |
| 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 | 10.70% | 93.32% | $0 | $0 |
| Q4 2023 | 11.28% | 91.88% | $0 | $0 |
| Q1 2024 | 11.44% | 90.87% | $0 | $0 |
| Q2 2024 | 11.84% | 90.38% | $0 | $0 |
| Q3 2024 | 12.31% | 89.54% | $0 | $0 |
| Q4 2024 | 12.12% | 84.86% | $0 | $0 |
| Q1 2025 | 11.86% | 83.80% | $0 | $0 |
| Q2 2025 | 12.30% | 84.99% | $0 | $0 |
| Q3 2025 | 12.79% | 85.68% | $0 | $0 |
| Q4 2025 | 14.09% | 87.36% | $0 | $0 |
| Q1 2026 | 14.04% | 86.62% | $0 | $0 |
| Q2 2026 | 14.37% | 85.14% | $0 | $0 |
Bank of Utica liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Utica, 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 Utica profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13397) · FFIEC NIC profile (RSSD 254317)