CFG 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.
Other borrowed money climbed 25000.0% in Q2 2026, from $1.0M to $251.0M. It was the largest change from Q1 2026 among the key lines here. Within Maryland, CFG Bank is 23rd of 27 on loan-to-deposit ratio, 77.93% as of Q2 2026. CFG Bank reported 77.93% on loan-to-deposit ratio for Q2 2026, 10.27 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $392.7M |
| Cash and noninterest-bearing balances to assets | 6.41% |
| Cash and securities | $1.86B |
| 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 | $251.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.93% |
| Net loans and leases to deposits | 76.79% |
| Loans and leases to core deposits | 81.58% |
| Core deposits to total deposits | 67.78% |
| Brokered deposits to total deposits | 27.74% |
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 | 80.87% | 86.53% | $0 | $30.9M |
| Q4 2023 | 81.27% | 86.36% | $0 | $1.0M |
| Q1 2024 | 81.10% | 86.74% | $0 | $1.0M |
| Q2 2024 | 79.30% | 86.32% | $0 | $1.0M |
| Q3 2024 | 78.87% | 83.60% | $0 | $1.0M |
| Q4 2024 | 77.25% | 78.25% | $0 | $1.0M |
| Q1 2025 | 77.73% | 74.82% | $0 | $1.0M |
| Q2 2025 | 77.68% | 72.56% | $0 | $1.0M |
| Q3 2025 | 76.72% | 72.48% | $0 | $1.0M |
| Q4 2025 | 78.57% | 73.46% | $0 | $1.0M |
| Q1 2026 | 77.01% | 67.77% | $0 | $1.0M |
| Q2 2026 | 77.93% | 67.78% | $0 | $251.0M |
CFG Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CFG 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 CFG Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34294) · FFIEC NIC profile (RSSD 2471239)