Bogota Savings 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.
Loan-to-deposit ratio climbed 5.09 percentage points in Q2 2026, from 105.75% to 110.84%. It was the largest change from Q1 2026 among the key lines here. Among 49 New Jersey banks, Bogota Savings Bank sits 3rd from the top on loan-to-deposit ratio, 110.84% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bogota Savings Bank sits 30.00 points higher, at 110.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $170.3M |
| 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 | $145.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.71% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.84% |
| Net loans and leases to deposits | 110.40% |
| Loans and leases to core deposits | 130.00% |
| Core deposits to total deposits | 69.87% |
| Brokered deposits to total deposits | 16.60% |
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 | 108.52% | 80.26% | $0 | $140.5M |
| Q4 2023 | 112.83% | 71.57% | $0 | $172.8M |
| Q1 2024 | 105.24% | 69.07% | $0 | $154.4M |
| Q2 2024 | 107.75% | 68.87% | $0 | $184.5M |
| Q3 2024 | 111.32% | 69.60% | $0 | $207.6M |
| Q4 2024 | 109.61% | 69.79% | $0 | $177.2M |
| Q1 2025 | 109.67% | 69.60% | $0 | $144.7M |
| Q2 2025 | 109.09% | 68.40% | $0 | $140.8M |
| Q3 2025 | 102.76% | 67.79% | $0 | $124.2M |
| Q4 2025 | 98.76% | 68.13% | $0 | $98.1M |
| Q1 2026 | 105.75% | 70.39% | $0 | $120.7M |
| Q2 2026 | 110.84% | 69.87% | $0 | $145.7M |
Bogota Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bogota Savings 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 Bogota Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29941) · FFIEC NIC profile (RSSD 927479)