The Conneaut 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 climbed 57.0% in Q2 2026, from $2.9M to $4.5M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Conneaut Savings Bank is 74th of 156 on loan-to-deposit ratio, 82.79% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Conneaut Savings Bank sits 15.17 points higher, at 82.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.2M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 1.90% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $681K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.79% |
| Net loans and leases to deposits | 82.35% |
| Loans and leases to core deposits | 84.90% |
| Core deposits to total deposits | 97.52% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 80.79% | 97.95% | $0 | $5.3M |
| Q4 2023 | 85.27% | 97.89% | $0 | $7.6M |
| Q1 2024 | 84.39% | 97.87% | $0 | $6.4M |
| Q2 2024 | 81.49% | 97.49% | $0 | $4.3M |
| Q3 2024 | 81.61% | 97.46% | $0 | $3.1M |
| Q4 2024 | 82.02% | 97.43% | $0 | $2.4M |
| Q1 2025 | 81.60% | 97.89% | $0 | $1.6M |
| Q2 2025 | 82.45% | 97.89% | $0 | $1.5M |
| Q3 2025 | 82.00% | 97.83% | $0 | $1.1M |
| Q4 2025 | 81.77% | 97.90% | $0 | $980K |
| Q1 2026 | 85.42% | 97.88% | $0 | $1.3M |
| Q2 2026 | 82.79% | 97.52% | $0 | $681K |
The Conneaut Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Conneaut 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 The Conneaut Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28677) · FFIEC NIC profile (RSSD 203575)