Carthage Savings and Loan, N.A.: 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.
Cash and balances due from depository institutions climbed 44.1% in Q2 2026, from $14.4M to $20.7M. It was the largest change from Q1 2026 among the key lines here. Carthage Savings and Loan, N.A. ranks 35th of 105 New York banks on loan-to-deposit ratio, in the upper half at 92.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Carthage Savings and Loan, N.A. sits 11.37 points higher, at 92.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.9M |
| 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 | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.21% |
| Net loans and leases to deposits | 91.62% |
| Loans and leases to core deposits | 110.75% |
| Core deposits to total deposits | 83.26% |
| 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 | 85.19% | 83.93% | $0 | $5.4M |
| Q4 2023 | 86.48% | 83.47% | $0 | $7.6M |
| Q1 2024 | 87.13% | 83.90% | $0 | $8.3M |
| Q2 2024 | 87.12% | 83.73% | $0 | $7.8M |
| Q3 2024 | 89.49% | 83.59% | $0 | $7.3M |
| Q4 2024 | 90.89% | 83.15% | $0 | $6.9M |
| Q1 2025 | 87.99% | 82.48% | $0 | $6.6M |
| Q2 2025 | 88.41% | 82.52% | $0 | $4.6M |
| Q3 2025 | 90.23% | 81.77% | $0 | $4.2M |
| Q4 2025 | 92.79% | 82.32% | $0 | $3.9M |
| Q1 2026 | 92.59% | 83.33% | $0 | $3.6M |
| Q2 2026 | 92.21% | 83.26% | $0 | $3.3M |
Carthage Savings and Loan, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Carthage Savings and Loan, N.A., 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 Carthage Savings and Loan, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28942) · FFIEC NIC profile (RSSD 900678)