The 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 climbed 114.3% in Q2 2026, from $15.6M to $33.3M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, The Dime Bank is 56th of 109 on loan-to-deposit ratio, 86.29% as of Q2 2026, below the middle of the field. At 86.29%, The Dime Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $265.6M |
| Fed funds sold and reverse repos | $4K |
| 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 | $37.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.29% |
| Net loans and leases to deposits | 84.89% |
| Loans and leases to core deposits | 96.26% |
| Core deposits to total deposits | 88.90% |
| Brokered deposits to total deposits | 3.72% |
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 | 90.27% | 92.62% | $0 | $98.7M |
| Q4 2023 | 87.23% | 86.12% | $0 | $50.1M |
| Q1 2024 | 87.88% | 84.95% | $0 | $43.9M |
| Q2 2024 | 85.21% | 88.27% | $0 | $36.0M |
| Q3 2024 | 87.59% | 87.02% | $0 | $64.3M |
| Q4 2024 | 84.85% | 82.33% | $0 | $46.3M |
| Q1 2025 | 83.70% | 83.17% | $0 | $47.3M |
| Q2 2025 | 82.08% | 86.83% | $0 | $33.5M |
| Q3 2025 | 87.29% | 86.31% | $0 | $63.3M |
| Q4 2025 | 84.09% | 82.96% | $0 | $42.8M |
| Q1 2026 | 85.90% | 86.60% | $0 | $21.2M |
| Q2 2026 | 86.29% | 88.90% | $0 | $37.2M |
The Dime Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Dime Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9888) · FFIEC NIC profile (RSSD 56717)