Century 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.27 percentage points higher than in Q1 2026, at 72.61%. Within New Jersey, Century Savings Bank is 38th of 49 on loan-to-deposit ratio, 68.76% as of Q2 2026, below the middle of the field. Century Savings Bank reported 68.76% on loan-to-deposit ratio for Q2 2026, 12.08 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 | $20.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $238.6M |
| 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 | $61.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.76% |
| Net loans and leases to deposits | 67.73% |
| Loans and leases to core deposits | 72.61% |
| Core deposits to total deposits | 94.69% |
| 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 | 54.75% | 96.37% | $0 | $65.3M |
| Q4 2023 | 57.67% | 96.28% | $0 | $67.7M |
| Q1 2024 | 56.88% | 95.23% | $0 | $75.3M |
| Q2 2024 | 58.92% | 94.11% | $0 | $65.3M |
| Q3 2024 | 61.05% | 92.43% | $0 | $70.3M |
| Q4 2024 | 59.91% | 92.14% | $0 | $67.1M |
| Q1 2025 | 62.50% | 91.61% | $0 | $67.1M |
| Q2 2025 | 62.93% | 91.42% | $0 | $70.1M |
| Q3 2025 | 64.22% | 93.13% | $0 | $67.8M |
| Q4 2025 | 64.43% | 93.41% | $0 | $63.8M |
| Q1 2026 | 65.76% | 94.83% | $0 | $61.2M |
| Q2 2026 | 68.76% | 94.69% | $0 | $61.5M |
Century Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century 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 Century Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30428) · FFIEC NIC profile (RSSD 392778)