Centreville 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.
Loans and leases to core deposits climbed 6.22 percentage points in Q2 2026, from 109.50% to 115.72%. It was the largest change from Q1 2026 among the key lines here. Among 5 Rhode Island banks, Centreville Bank sits 2nd from the top on loan-to-deposit ratio, 105.00% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Centreville Bank sits 16.80 points higher, at 105.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.4M |
| Cash and noninterest-bearing balances to assets | 1.66% |
| Cash and securities | $559.4M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $354.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.24% |
| Trading liabilities | $7.7M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.00% |
| Net loans and leases to deposits | 104.24% |
| Loans and leases to core deposits | 115.72% |
| Core deposits to total deposits | 78.57% |
| Brokered deposits to total deposits | 12.17% |
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 | 101.73% | 84.13% | $0 | $266.4M |
| Q4 2023 | 104.43% | 82.33% | $0 | $291.4M |
| Q1 2024 | 104.47% | 81.03% | $0 | $320.4M |
| Q2 2024 | 105.01% | 79.43% | $0 | $314.4M |
| Q3 2024 | 103.21% | 80.20% | $0 | $304.4M |
| Q4 2024 | 102.89% | 77.87% | $0 | $256.3M |
| Q1 2025 | 102.21% | 80.05% | $0 | $246.3M |
| Q2 2025 | 103.69% | 81.78% | $0 | $297.8M |
| Q3 2025 | 100.98% | 79.25% | $0 | $236.3M |
| Q4 2025 | 100.84% | 79.76% | $0 | $265.3M |
| Q1 2026 | 99.44% | 79.60% | $0 | $231.3M |
| Q2 2026 | 105.00% | 78.57% | $0 | $354.2M |
Centreville Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Centreville 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 Centreville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17764) · FFIEC NIC profile (RSSD 876700)