ConnectOne 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.
Other borrowed money dropped 13.5% in Q2 2026, from $828.3M to $716.2M. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, ConnectOne Bank is 16th of 49 on loan-to-deposit ratio, 100.62% as of Q2 2026, above the middle of the field. ConnectOne Bank reported 100.62% on loan-to-deposit ratio for Q2 2026, 13.79 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $362.3M |
| Cash and noninterest-bearing balances to assets | 2.52% |
| Cash and securities | $1.55B |
| 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 | $716.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.62% |
| Net loans and leases to deposits | 99.43% |
| Loans and leases to core deposits | 110.14% |
| Core deposits to total deposits | 82.81% |
| Brokered deposits to total deposits | 8.55% |
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 | 109.48% | 60.41% | $0 | $889.2M |
| Q4 2023 | 110.21% | 62.04% | $0 | $935.1M |
| Q1 2024 | 108.87% | 60.19% | $0 | $879.0M |
| Q2 2024 | 107.17% | 61.22% | $0 | $757.5M |
| Q3 2024 | 107.29% | 61.89% | $0 | $743.4M |
| Q4 2024 | 105.34% | 63.22% | $0 | $689.3M |
| Q1 2025 | 105.08% | 62.73% | $0 | $614.2M |
| Q2 2025 | 97.86% | 81.83% | $0 | $785.0M |
| Q3 2025 | 98.94% | 82.12% | $0 | $834.5M |
| Q4 2025 | 101.39% | 84.28% | $0 | $904.4M |
| Q1 2026 | 101.55% | 82.37% | $0 | $828.3M |
| Q2 2026 | 100.62% | 82.81% | $0 | $716.2M |
ConnectOne Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock ConnectOne 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 ConnectOne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57919) · FFIEC NIC profile (RSSD 3317932)