Cattaraugus County 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.
Cash and balances due from depository institutions climbed 43.3% in Q2 2026, from $30.5M to $43.6M. It was the largest change from Q1 2026 among the key lines here. Within New York, Cattaraugus County Bank is 86th of 105 on loan-to-deposit ratio, 64.23% as of Q2 2026, below the middle of the field. Cattaraugus County Bank reported 64.23% on loan-to-deposit ratio for Q2 2026, 16.61 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $148.4M |
| 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 | $2.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.23% |
| Net loans and leases to deposits | 63.63% |
| Loans and leases to core deposits | 67.85% |
| Core deposits to total deposits | 90.17% |
| Brokered deposits to total deposits | 4.49% |
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 | 69.23% | 85.68% | $0 | $9.9M |
| Q4 2023 | 72.19% | 83.08% | $0 | $12.9M |
| Q1 2024 | 70.39% | 82.21% | $0 | $6.9M |
| Q2 2024 | 72.51% | 85.46% | $0 | $8.9M |
| Q3 2024 | 73.15% | 85.70% | $0 | $13.3M |
| Q4 2024 | 73.34% | 89.29% | $0 | $4.3M |
| Q1 2025 | 71.55% | 89.93% | $0 | $1.9M |
| Q2 2025 | 70.84% | 89.81% | $0 | $3.9M |
| Q3 2025 | 70.26% | 89.31% | $0 | $2.1M |
| Q4 2025 | 68.71% | 90.82% | $0 | $2.1M |
| Q1 2026 | 66.30% | 90.01% | $0 | $2.1M |
| Q2 2026 | 64.23% | 90.17% | $0 | $2.1M |
Cattaraugus County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cattaraugus County 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 Cattaraugus County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12959) · FFIEC NIC profile (RSSD 254504)