Bank of York: 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 purchased and repos climbed 40.0% in Q2 2026, from $2.2M to $3.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of York is 2nd from the bottom among 44 South Carolina banks, 35.89% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Bank of York reported 35.89% on loan-to-deposit ratio in Q2 2026, 44.94 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $174.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $212.0M |
| 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 | $3.0M |
| 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 | 35.89% |
| Net loans and leases to deposits | 35.49% |
| Loans and leases to core deposits | 37.63% |
| Core deposits to total deposits | 95.39% |
| 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 | 34.39% | 97.29% | $7.6M | $0 |
| Q4 2023 | 33.66% | 97.29% | $3.4M | $0 |
| Q1 2024 | 35.98% | 97.22% | $4.3M | $0 |
| Q2 2024 | 36.04% | 97.46% | $5.7M | $0 |
| Q3 2024 | 36.95% | 97.17% | $5.4M | $0 |
| Q4 2024 | 36.91% | 97.23% | $3.8M | $0 |
| Q1 2025 | 38.82% | 96.84% | $3.6M | $0 |
| Q2 2025 | 38.39% | 96.71% | $7.3M | $0 |
| Q3 2025 | 37.89% | 96.45% | $2.7M | $0 |
| Q4 2025 | 36.71% | 96.31% | $3.0M | $0 |
| Q1 2026 | 37.52% | 95.81% | $2.2M | $0 |
| Q2 2026 | 35.89% | 95.39% | $3.0M | $0 |
Bank of York liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of York, 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 York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15104) · FFIEC NIC profile (RSSD 922924)