Dr 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: 53.7% higher than in Q1 2026, at $74.2M. Within Connecticut, Dr Bank is 12th of 27 on loan-to-deposit ratio, 99.59% as of Q2 2026. Dr Bank reported 99.59% on loan-to-deposit ratio for Q2 2026, 19.03 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $74.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.7M |
| 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 | $44.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.59% |
| Net loans and leases to deposits | 98.90% |
| Loans and leases to core deposits | 115.01% |
| Core deposits to total deposits | 69.47% |
| Brokered deposits to total deposits | 17.12% |
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 | 104.18% | 47.75% | $0 | $56.0M |
| Q4 2023 | 100.07% | 65.29% | $0 | $44.0M |
| Q1 2024 | 102.30% | 65.18% | $0 | $44.0M |
| Q2 2024 | 103.11% | 66.15% | $0 | $53.7M |
| Q3 2024 | 98.85% | 65.66% | $0 | $49.0M |
| Q4 2024 | 102.88% | 66.43% | $0 | $48.5M |
| Q1 2025 | 100.43% | 67.63% | $0 | $44.0M |
| Q2 2025 | 101.84% | 67.09% | $0 | $46.0M |
| Q3 2025 | 104.04% | 66.41% | $0 | $51.0M |
| Q4 2025 | 99.41% | 68.21% | $0 | $39.0M |
| Q1 2026 | 100.84% | 68.60% | $0 | $44.0M |
| Q2 2026 | 99.59% | 69.47% | $0 | $44.0M |
Dr Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dr 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 Dr Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58257) · FFIEC NIC profile (RSSD 3428258)