Carver Federal 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.
Brokered deposits to total deposits dropped 19.85 percentage points in Q2 2026, from 19.85% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Carver Federal Savings Bank ranks 27th of 105 New York banks on loan-to-deposit ratio, in the upper half at 94.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Carver Federal Savings Bank sits 14.11 points higher, at 94.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.8M |
| Cash and noninterest-bearing balances to assets | 6.20% |
| Cash and securities | $84.0M |
| 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 | $21.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.95% |
| Net loans and leases to deposits | 93.99% |
| Loans and leases to core deposits | 98.28% |
| Core deposits to total deposits | 96.62% |
| 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 | 95.16% | 97.08% | $0 | $28.2M |
| Q4 2023 | 92.81% | 88.37% | $0 | $28.1M |
| Q1 2024 | 94.89% | 87.89% | $0 | $28.1M |
| Q2 2024 | 96.83% | 89.28% | $0 | $29.9M |
| Q3 2024 | 94.13% | 88.87% | $0 | $19.9M |
| Q4 2024 | 94.72% | 89.61% | $0 | $19.9M |
| Q1 2025 | 91.80% | 88.90% | $0 | $1.8M |
| Q2 2025 | 92.65% | 90.20% | $0 | $2.9M |
| Q3 2025 | 93.77% | 94.27% | $0 | $9.1M |
| Q4 2025 | 99.48% | 77.29% | $0 | $50.1M |
| Q1 2026 | 95.33% | 77.04% | $0 | $27.1M |
| Q2 2026 | 94.95% | 96.62% | $0 | $21.2M |
Carver Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Carver Federal 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 Carver Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30394) · FFIEC NIC profile (RSSD 268677)