Fairfield County 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: 24.8% higher than in Q1 2026, at $94.5M. Within Connecticut, Fairfield County Bank is 6th of 27 on loan-to-deposit ratio, 102.35% as of Q2 2026, above the middle of the field. Fairfield County Bank reported 102.35% on loan-to-deposit ratio for Q2 2026, 14.15 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 | $94.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $320.5M |
| 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 | $154.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.35% |
| Net loans and leases to deposits | 101.09% |
| Loans and leases to core deposits | 105.13% |
| Core deposits to total deposits | 97.36% |
| 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 | 91.17% | 89.25% | $0 | $131.3M |
| Q4 2023 | 95.91% | 89.95% | $0 | $195.2M |
| Q1 2024 | 93.30% | 87.56% | $0 | $166.7M |
| Q2 2024 | 91.66% | 88.23% | $0 | $216.7M |
| Q3 2024 | 93.58% | 90.47% | $0 | $166.7M |
| Q4 2024 | 100.41% | 96.97% | $0 | $110.5M |
| Q1 2025 | 99.44% | 97.19% | $0 | $95.9M |
| Q2 2025 | 97.15% | 95.57% | $0 | $121.6M |
| Q3 2025 | 98.95% | 97.25% | $0 | $160.0M |
| Q4 2025 | 106.13% | 97.24% | $0 | $236.6M |
| Q1 2026 | 104.09% | 97.36% | $0 | $170.5M |
| Q2 2026 | 102.35% | 97.36% | $0 | $154.5M |
Fairfield County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfield County 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 Fairfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18213) · FFIEC NIC profile (RSSD 882701)