The Delaware National Bank of Delhi: 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.
Loans and leases to core deposits climbed 8.04 percentage points in Q2 2026, from 84.47% to 92.51%. It was the largest change from Q1 2026 among the key lines here. Within New York, The Delaware National Bank of Delhi is 70th of 105 on loan-to-deposit ratio, 76.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Delaware National Bank of Delhi sits 4.01 points lower, at 76.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.5M |
| 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 | $138K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.83% |
| Net loans and leases to deposits | 76.44% |
| Loans and leases to core deposits | 92.51% |
| Core deposits to total deposits | 83.05% |
| 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 | 80.05% | 86.68% | $0 | $24.9M |
| Q4 2023 | 79.24% | 86.81% | $0 | $16.0M |
| Q1 2024 | 74.82% | 84.50% | $0 | $48K |
| Q2 2024 | 77.12% | 82.57% | $0 | $40K |
| Q3 2024 | 79.98% | 83.19% | $0 | $2.6M |
| Q4 2024 | 76.77% | 83.40% | $0 | $23K |
| Q1 2025 | 73.62% | 79.97% | $0 | $15K |
| Q2 2025 | 77.06% | 81.97% | $0 | $6K |
| Q3 2025 | 77.69% | 83.14% | $0 | $159K |
| Q4 2025 | 78.23% | 84.12% | $0 | $152K |
| Q1 2026 | 71.16% | 84.25% | $0 | $145K |
| Q2 2026 | 76.83% | 83.05% | $0 | $138K |
The Delaware National Bank of Delhi liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Delaware National Bank of Delhi, 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 Delaware National Bank of Delhi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7025) · FFIEC NIC profile (RSSD 236603)