Columbia 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 climbed 293.5% in Q2 2026, from $276.8M to $1.09B. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, Columbia Bank is 30th of 49 on loan-to-deposit ratio, 88.67% as of Q2 2026, below the middle of the field. At 88.67%, Columbia Bank's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.09B |
| Cash and noninterest-bearing balances to assets | 8.95% |
| Cash and securities | $2.75B |
| 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 | $1.24B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.67% |
| Net loans and leases to deposits | 87.93% |
| Loans and leases to core deposits | 97.45% |
| Core deposits to total deposits | 90.53% |
| Brokered deposits to total deposits | 0.46% |
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 | 100.86% | 93.75% | $0 | $1.31B |
| Q4 2023 | 99.91% | 93.02% | $0 | $1.50B |
| Q1 2024 | 99.16% | 92.25% | $0 | $1.49B |
| Q2 2024 | 99.87% | 92.24% | $0 | $1.65B |
| Q3 2024 | 98.76% | 91.46% | $0 | $1.42B |
| Q4 2024 | 97.19% | 91.12% | $0 | $1.11B |
| Q1 2025 | 97.31% | 91.08% | $0 | $1.14B |
| Q2 2025 | 99.78% | 90.71% | $0 | $1.30B |
| Q3 2025 | 99.30% | 90.83% | $0 | $1.29B |
| Q4 2025 | 97.25% | 91.01% | $0 | $1.21B |
| Q1 2026 | 97.70% | 90.45% | $0 | $1.27B |
| Q2 2026 | 88.67% | 90.53% | $0 | $1.24B |
Columbia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia 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 Columbia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28834) · FFIEC NIC profile (RSSD 174572)