Dime 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 dropped 38.4% in Q2 2026, from $48.7M to $30.0M. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Dime Bank is 9th of 27 on loan-to-deposit ratio, 101.22% as of Q2 2026, above the middle of the field. Dime Bank reported 101.22% on loan-to-deposit ratio for Q2 2026, 13.02 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $210.1M |
| 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 | $126.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.22% |
| Net loans and leases to deposits | 100.25% |
| Loans and leases to core deposits | 109.53% |
| Core deposits to total deposits | 92.42% |
| 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 | 84.55% | 94.41% | $0 | $133.3M |
| Q4 2023 | 88.11% | 94.12% | $0 | $157.2M |
| Q1 2024 | 89.80% | 93.39% | $0 | $151.3M |
| Q2 2024 | 91.29% | 93.03% | $0 | $148.6M |
| Q3 2024 | 87.81% | 93.20% | $0 | $145.8M |
| Q4 2024 | 88.80% | 92.84% | $0 | $142.9M |
| Q1 2025 | 89.89% | 92.26% | $0 | $140.0M |
| Q2 2025 | 94.28% | 91.94% | $0 | $147.1M |
| Q3 2025 | 96.13% | 92.97% | $0 | $147.2M |
| Q4 2025 | 100.25% | 92.67% | $0 | $137.3M |
| Q1 2026 | 98.57% | 92.79% | $0 | $139.3M |
| Q2 2026 | 101.22% | 92.42% | $0 | $126.7M |
Dime Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dime 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 Dime Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18200) · FFIEC NIC profile (RSSD 311603)