Cayuga Lake National 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 Cash and balances due from depository institutions: 45.2% lower than in Q1 2026, at $10.2M. Within New York, Cayuga Lake National Bank is 78th of 105 on loan-to-deposit ratio, 70.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cayuga Lake National Bank sits 10.49 points lower, at 70.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.0M |
| 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 | $2.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.35% |
| Net loans and leases to deposits | 69.48% |
| Loans and leases to core deposits | 73.01% |
| Core deposits to total deposits | 93.15% |
| Brokered deposits to total deposits | 3.20% |
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 | 71.93% | 86.25% | $0 | $5.0M |
| Q4 2023 | 71.40% | 86.44% | $0 | $7.0M |
| Q1 2024 | 73.14% | 88.52% | $0 | $3.0M |
| Q2 2024 | 73.73% | 88.26% | $0 | $6.0M |
| Q3 2024 | 76.40% | 90.83% | $0 | $14.5M |
| Q4 2024 | 73.72% | 90.11% | $0 | $5.0M |
| Q1 2025 | 70.53% | 91.20% | $0 | $3.0M |
| Q2 2025 | 70.90% | 90.92% | $0 | $3.0M |
| Q3 2025 | 70.31% | 91.43% | $0 | $2.2M |
| Q4 2025 | 66.63% | 92.77% | $0 | $2.2M |
| Q1 2026 | 68.29% | 91.81% | $0 | $2.2M |
| Q2 2026 | 70.35% | 93.15% | $0 | $2.2M |
Cayuga Lake National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cayuga Lake National 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 Cayuga Lake National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6954) · FFIEC NIC profile (RSSD 63201)