Emigrant Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Emigrant Bank reported all 15 line items on this page on its Q2 2026 filing. Cash and balances due from depository institutions was $496.2M in Q2 2026, down 1.8% from $505.3M in Q2 2025. That is 8.7% of its total assets. Across the 12 quarters shown it ranged from $343.1M (Q2 2024) to $708.6M (Q1 2026).
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.27 percentage points higher than in Q1 2026, at 96.98%. Emigrant Bank ranks 12th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 95.13% (Q2 2026). Emigrant Bank reported 95.13% on loan-to-deposit ratio for Q2 2026, 6.93 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 | $496.2M |
| Cash and noninterest-bearing balances to assets | 8.74% |
| Cash and securities | $742.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q2 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q2 2026 on the FFIEC CDR.
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.13% |
| Net loans and leases to deposits | 93.25% |
| Loans and leases to core deposits | 96.98% |
| Core deposits to total deposits | 94.67% |
| Brokered deposits to total deposits | 3.42% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q2 2026 on the FFIEC CDR.
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 | 96.96% | 95.04% | $0 | $6.7M |
| Q4 2023 | 99.84% | 95.15% | $0 | $6.4M |
| Q1 2024 | 100.43% | 94.79% | $0 | $0 |
| Q2 2024 | 101.10% | 94.50% | $0 | $0 |
| Q3 2024 | 97.81% | 94.97% | $0 | $0 |
| Q4 2024 | 88.37% | 95.40% | $0 | $0 |
| Q1 2025 | 90.20% | 95.17% | $0 | $0 |
| Q2 2025 | 93.62% | 94.99% | $0 | $0 |
| Q3 2025 | 93.93% | 94.88% | $0 | $0 |
| Q4 2025 | 95.05% | 94.87% | $0 | $0 |
| Q1 2026 | 91.05% | 94.94% | $0 | $0 |
| Q2 2026 | 95.13% | 94.67% | $0 | $0 |
Emigrant Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q2 2026. How these pages are built. See the full Emigrant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57083) · FFIEC NIC profile (RSSD 137915)