Crest 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 20.6% higher than in Q1 2026, at $71.6M. Within New Jersey, Crest Savings Bank is 32nd of 49 on loan-to-deposit ratio, 87.48% as of Q2 2026, below the middle of the field. Crest Savings Bank reported 87.48% on loan-to-deposit ratio for Q2 2026, 6.65 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $71.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $120.6M |
| 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 | $21.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.48% |
| Net loans and leases to deposits | 86.90% |
| Loans and leases to core deposits | 93.57% |
| Core deposits to total deposits | 93.50% |
| 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 | 93.77% | 96.48% | $0 | $38.7M |
| Q4 2023 | 99.81% | 94.59% | $0 | $52.9M |
| Q1 2024 | 103.05% | 93.69% | $0 | $59.6M |
| Q2 2024 | 101.59% | 93.95% | $0 | $59.7M |
| Q3 2024 | 92.50% | 92.86% | $0 | $28.7M |
| Q4 2024 | 96.10% | 92.86% | $0 | $27.5M |
| Q1 2025 | 96.73% | 92.72% | $0 | $25.5M |
| Q2 2025 | 92.61% | 94.43% | $0 | $19.5M |
| Q3 2025 | 81.90% | 94.83% | $0 | $19.5M |
| Q4 2025 | 86.57% | 94.65% | $0 | $19.5M |
| Q1 2026 | 89.04% | 94.13% | $0 | $19.5M |
| Q2 2026 | 87.48% | 93.50% | $0 | $21.4M |
Crest Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Crest 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 Crest Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28818) · FFIEC NIC profile (RSSD 172475)