Belmont Savings Bank, SSB: 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.
Loans and leases to core deposits dropped 3.53 percentage points in Q2 2026, from 170.14% to 166.62%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Belmont Savings Bank, SSB ranks first in North Carolina on loan-to-deposit ratio among 38 banks, at 121.80%. Against a median of 80.84% for banks in the $100M-1B asset tier, Belmont Savings Bank, SSB reported 121.80% on loan-to-deposit ratio in Q2 2026, 40.96 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.0M |
| 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 | $0 |
| Other borrowed money | $29.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.80% |
| Net loans and leases to deposits | 121.37% |
| Loans and leases to core deposits | 166.62% |
| Core deposits to total deposits | 73.10% |
| Brokered deposits to total deposits | 13.36% |
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 | 105.42% | 66.45% | $0 | $10.0M |
| Q4 2023 | 111.24% | 65.13% | $0 | $10.0M |
| Q1 2024 | 109.26% | 63.20% | $0 | $12.8M |
| Q2 2024 | 114.93% | 65.30% | $0 | $16.8M |
| Q3 2024 | 117.93% | 67.05% | $0 | $20.8M |
| Q4 2024 | 118.49% | 64.85% | $0 | $19.2M |
| Q1 2025 | 120.93% | 65.76% | $0 | $23.5M |
| Q2 2025 | 123.88% | 64.16% | $0 | $24.0M |
| Q3 2025 | 121.33% | 62.90% | $0 | $26.0M |
| Q4 2025 | 125.46% | 61.17% | $0 | $29.5M |
| Q1 2026 | 122.81% | 72.18% | $0 | $29.6M |
| Q2 2026 | 121.80% | 73.10% | $0 | $29.9M |
Belmont Savings Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Belmont Savings Bank, SSB, 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 Belmont Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28035) · FFIEC NIC profile (RSSD 919773)