Dearborn Federal 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 Loans and leases to core deposits: 4.87 percentage points lower than in Q1 2026, at 107.98%. Within Michigan, Dearborn Federal Savings Bank is 10th of 72 on loan-to-deposit ratio, 100.12% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Dearborn Federal Savings Bank sits 19.28 points higher, at 100.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.2M |
| 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 | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.12% |
| Net loans and leases to deposits | 99.30% |
| Loans and leases to core deposits | 107.98% |
| Core deposits to total deposits | 82.63% |
| Brokered deposits to total deposits | 10.09% |
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 | 113.25% | 94.31% | $0 | $14.8M |
| Q4 2023 | 118.30% | 93.79% | $0 | $20.8M |
| Q1 2024 | 117.46% | 93.84% | $0 | $17.8M |
| Q2 2024 | 120.94% | 93.90% | $0 | $23.0M |
| Q3 2024 | 124.08% | 93.65% | $0 | $22.0M |
| Q4 2024 | 121.27% | 91.66% | $0 | $28.0M |
| Q1 2025 | 117.24% | 91.52% | $0 | $26.0M |
| Q2 2025 | 117.19% | 91.21% | $0 | $26.0M |
| Q3 2025 | 107.96% | 80.98% | $0 | $26.0M |
| Q4 2025 | 109.99% | 83.00% | $0 | $26.0M |
| Q1 2026 | 104.27% | 81.86% | $0 | $30.0M |
| Q2 2026 | 100.12% | 82.63% | $0 | $30.0M |
Dearborn Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dearborn Federal 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 Dearborn Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29874) · FFIEC NIC profile (RSSD 1005075)