Bath Savings Institution: 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 Fed funds purchased and repos: 36.4% higher than in Q1 2026, at $27.8M. On loan-to-deposit ratio, Bath Savings Institution is 1st from the bottom among 22 Maine banks, 76.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bath Savings Institution sits 11.70 points lower, at 76.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.9M |
| Cash and noninterest-bearing balances to assets | 2.99% |
| Cash and securities | $547.7M |
| 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 | $27.8M |
| Other borrowed money | $86.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.50% |
| Net loans and leases to deposits | 75.41% |
| Loans and leases to core deposits | 79.08% |
| Core deposits to total deposits | 89.62% |
| Brokered deposits to total deposits | 7.11% |
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 | 76.84% | 94.41% | $12.3M | $97.0M |
| Q4 2023 | 75.73% | 92.90% | $16.5M | $104.9M |
| Q1 2024 | 77.55% | 91.40% | $10.8M | $108.9M |
| Q2 2024 | 75.01% | 90.77% | $19.1M | $93.5M |
| Q3 2024 | 77.47% | 89.87% | $18.7M | $91.3M |
| Q4 2024 | 75.22% | 90.60% | $20.0M | $80.8M |
| Q1 2025 | 75.35% | 90.99% | $15.4M | $83.6M |
| Q2 2025 | 74.41% | 90.94% | $18.7M | $87.0M |
| Q3 2025 | 75.81% | 91.02% | $23.8M | $81.6M |
| Q4 2025 | 73.51% | 90.31% | $23.0M | $81.4M |
| Q1 2026 | 75.45% | 89.67% | $20.4M | $89.5M |
| Q2 2026 | 76.50% | 89.62% | $27.8M | $86.1M |
Bath Savings Institution liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bath Savings Institution, 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 Bath Savings Institution profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17749) · FFIEC NIC profile (RSSD 433505)