Essex 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 Loan-to-deposit ratio: 1.86 percentage points lower than in Q1 2026, at 82.45%. Within Connecticut, Essex Bank is 22nd of 27 on loan-to-deposit ratio, 82.45% 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; Essex Bank reported 82.45% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $85.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.6M |
| 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 | $2.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.45% |
| Net loans and leases to deposits | 81.67% |
| Loans and leases to core deposits | 90.61% |
| Core deposits to total deposits | 90.99% |
| 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 | 79.05% | 96.23% | $0 | $2.5M |
| Q4 2023 | 76.35% | 95.49% | $0 | $2.5M |
| Q1 2024 | 76.77% | 94.02% | $0 | $2.4M |
| Q2 2024 | 78.00% | 93.85% | $0 | $2.4M |
| Q3 2024 | 84.98% | 92.84% | $0 | $2.4M |
| Q4 2024 | 84.87% | 92.48% | $0 | $2.4M |
| Q1 2025 | 82.70% | 92.00% | $0 | $2.3M |
| Q2 2025 | 84.44% | 92.05% | $0 | $2.3M |
| Q3 2025 | 87.63% | 91.99% | $0 | $2.3M |
| Q4 2025 | 84.39% | 91.33% | $0 | $2.3M |
| Q1 2026 | 84.31% | 91.24% | $0 | $2.2M |
| Q2 2026 | 82.45% | 90.99% | $0 | $2.2M |
Essex Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Essex 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 Essex Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17262) · FFIEC NIC profile (RSSD 961400)