Claremont 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.
Cash and balances due from depository institutions dropped 22.6% in Q2 2026, from $50.6M to $39.2M. It was the largest change from Q1 2026 among the key lines here. Claremont Savings Bank ranks 5th of 16 New Hampshire banks on loan-to-deposit ratio, in the upper half at 103.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Claremont Savings Bank sits 22.68 points higher, at 103.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.5M |
| 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 | $70.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.52% |
| Net loans and leases to deposits | 102.60% |
| Loans and leases to core deposits | 112.99% |
| Core deposits to total deposits | 90.55% |
| Brokered deposits to total deposits | 1.06% |
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 | 93.49% | 83.71% | $42.0M | $3.0M |
| Q4 2023 | 99.68% | 85.20% | $42.0M | $20.6M |
| Q1 2024 | 101.64% | 85.69% | $0 | $44.6M |
| Q2 2024 | 102.69% | 86.34% | $0 | $51.6M |
| Q3 2024 | 96.27% | 87.86% | $0 | $72.0M |
| Q4 2024 | 103.89% | 89.42% | $0 | $72.0M |
| Q1 2025 | 102.55% | 90.26% | $0 | $62.0M |
| Q2 2025 | 102.36% | 90.00% | $0 | $78.6M |
| Q3 2025 | 104.98% | 90.64% | $0 | $82.6M |
| Q4 2025 | 103.42% | 88.57% | $0 | $83.5M |
| Q1 2026 | 104.44% | 90.96% | $0 | $83.6M |
| Q2 2026 | 103.52% | 90.55% | $0 | $70.9M |
Claremont Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Claremont 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 Claremont Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18038) · FFIEC NIC profile (RSSD 47500)