Champlain 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 Brokered deposits to total deposits: 0.98 percentage points lower than in Q1 2026, at 5.73%. Within New York, Champlain National Bank is 74th of 105 on loan-to-deposit ratio, 73.50% as of Q2 2026, below the middle of the field. Champlain National Bank reported 73.50% on loan-to-deposit ratio for Q2 2026, 7.34 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 | $27.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.8M |
| 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 | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.50% |
| Net loans and leases to deposits | 72.73% |
| Loans and leases to core deposits | 78.45% |
| Core deposits to total deposits | 87.96% |
| Brokered deposits to total deposits | 5.73% |
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 | 78.90% | 94.16% | $10.2M | $25.2M |
| Q4 2023 | 86.70% | 94.73% | $10.5M | $55.3M |
| Q1 2024 | 78.46% | 92.08% | $0 | $44.0M |
| Q2 2024 | 82.64% | 93.39% | $0 | $48.4M |
| Q3 2024 | 74.24% | 91.33% | $0 | $34.0M |
| Q4 2024 | 78.91% | 87.42% | $0 | $22.6M |
| Q1 2025 | 72.97% | 87.50% | $0 | $4.0M |
| Q2 2025 | 79.39% | 87.00% | $0 | $22.6M |
| Q3 2025 | 73.54% | 88.51% | $0 | $4.0M |
| Q4 2025 | 78.40% | 86.58% | $0 | $15.2M |
| Q1 2026 | 73.68% | 87.17% | $0 | $4.0M |
| Q2 2026 | 73.50% | 87.96% | $0 | $4.0M |
Champlain National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Champlain 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 Champlain National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7356) · FFIEC NIC profile (RSSD 126012)