Blueharbor Bank: 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 Core deposits to total deposits: 2.11 percentage points lower than in Q1 2026, at 81.69%. Within North Carolina, Blueharbor Bank is 5th of 38 on loan-to-deposit ratio, 97.44% as of Q2 2026. Blueharbor Bank reported 97.44% on loan-to-deposit ratio for Q2 2026, 16.88 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.9M |
| Fed funds sold and reverse repos | $200K |
| Fed funds sold and reverse repos to assets | 0.03% |
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 | 97.44% |
| Net loans and leases to deposits | 96.52% |
| Loans and leases to core deposits | 106.72% |
| Core deposits to total deposits | 81.69% |
| Brokered deposits to total deposits | 9.98% |
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 | 91.77% | 96.82% | $0 | $0 |
| Q4 2023 | 95.19% | 93.38% | $0 | $0 |
| Q1 2024 | 93.73% | 93.77% | $0 | $0 |
| Q2 2024 | 96.76% | 92.17% | $0 | $0 |
| Q3 2024 | 95.31% | 91.83% | $0 | $0 |
| Q4 2024 | 98.19% | 88.94% | $0 | $4.0M |
| Q1 2025 | 95.08% | 90.45% | $0 | $0 |
| Q2 2025 | 98.72% | 90.09% | $10.0M | $0 |
| Q3 2025 | 99.65% | 85.08% | $4.0M | $0 |
| Q4 2025 | 97.78% | 84.43% | $0 | $0 |
| Q1 2026 | 96.53% | 83.80% | $0 | $0 |
| Q2 2026 | 97.44% | 81.69% | $0 | $0 |
Blueharbor Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Blueharbor Bank, 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 Blueharbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58691) · FFIEC NIC profile (RSSD 3636914)