Black Mountain 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 climbed 5.88 percentage points in Q2 2026, from 100.28% to 106.17%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Black Mountain Savings Bank, SSB is 28th of 38 on loan-to-deposit ratio, 74.86% as of Q2 2026, below the middle of the field. Black Mountain Savings Bank, SSB reported 74.86% on loan-to-deposit ratio for Q2 2026, 7.24 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.5M |
| 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 | 74.86% |
| Net loans and leases to deposits | 74.70% |
| Loans and leases to core deposits | 106.17% |
| Core deposits to total deposits | 70.51% |
| 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 | 78.62% | 79.51% | $0 | $0 |
| Q4 2023 | 74.79% | 81.21% | $0 | $0 |
| Q1 2024 | 75.89% | 80.16% | $0 | $0 |
| Q2 2024 | 76.13% | 76.33% | $0 | $0 |
| Q3 2024 | 76.99% | 74.89% | $0 | $0 |
| Q4 2024 | 76.01% | 72.12% | $0 | $0 |
| Q1 2025 | 77.13% | 74.40% | $0 | $0 |
| Q2 2025 | 75.44% | 73.39% | $0 | $0 |
| Q3 2025 | 76.54% | 73.13% | $0 | $0 |
| Q4 2025 | 75.38% | 75.17% | $0 | $0 |
| Q1 2026 | 73.47% | 73.26% | $0 | $0 |
| Q2 2026 | 74.86% | 70.51% | $0 | $0 |
Black Mountain 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 Black Mountain 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 Black Mountain Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27897) · FFIEC NIC profile (RSSD 444677)