The Cincinnatus Savings and Loan Company: 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 Q3 2026 was in Loans and leases to core deposits: 3.25 percentage points higher than in Q2 2026, at 95.59%. Within Ohio, The Cincinnatus Savings and Loan Company is 86th of 156 on loan-to-deposit ratio, 80.40% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; The Cincinnatus Savings and Loan Company reported 80.40% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 80.40% |
| Net loans and leases to deposits | 79.56% |
| Loans and leases to core deposits | 95.59% |
| Core deposits to total deposits | 84.11% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 111.04% | 95.32% | $0 | $6.0M |
| Q1 2024 | 107.05% | 92.82% | $0 | $4.0M |
| Q2 2024 | 108.38% | 91.40% | $0 | $4.0M |
| Q3 2024 | 84.25% | 93.18% | $0 | $4.0M |
| Q4 2024 | 86.52% | 92.77% | $0 | $4.0M |
| Q1 2025 | 83.34% | 91.00% | $0 | $2.0M |
| Q2 2025 | 90.33% | 90.67% | $0 | $8.6M |
| Q3 2025 | 84.64% | 89.01% | $0 | $2.0M |
| Q4 2025 | 83.76% | 87.88% | $0 | $0 |
| Q1 2026 | 78.07% | 87.56% | $0 | $0 |
| Q2 2026 | 78.70% | 85.23% | $0 | $0 |
| Q3 2026 | 80.40% | 84.11% | $0 | $0 |
The Cincinnatus Savings and Loan Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cincinnatus Savings and Loan Company, 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 The Cincinnatus Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28157) · FFIEC NIC profile (RSSD 815772)