Finance Factors, Limited: 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: 52.2% lower than in Q1 2026, at $6.6M. Finance Factors, Limited has the highest loan-to-deposit ratio of the 6 banks headquartered in Hawaii, 88.22% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Finance Factors, Limited sits 7.38 points higher, at 88.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.6M |
| Cash and noninterest-bearing balances to assets | 0.97% |
| Cash and securities | $125.7M |
| 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 | $72.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.22% |
| Net loans and leases to deposits | 85.96% |
| Loans and leases to core deposits | 101.85% |
| Core deposits to total deposits | 86.62% |
| 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 | 92.95% | 88.06% | $0 | $71.1M |
| Q4 2023 | 89.80% | 88.24% | $0 | $55.0M |
| Q1 2024 | 89.02% | 88.71% | $0 | $48.0M |
| Q2 2024 | 89.77% | 88.17% | $0 | $51.5M |
| Q3 2024 | 93.70% | 88.80% | $0 | $71.0M |
| Q4 2024 | 93.91% | 89.29% | $0 | $80.9M |
| Q1 2025 | 94.15% | 88.23% | $0 | $84.1M |
| Q2 2025 | 90.45% | 87.21% | $0 | $64.8M |
| Q3 2025 | 90.06% | 87.45% | $0 | $70.1M |
| Q4 2025 | 90.88% | 87.35% | $0 | $64.6M |
| Q1 2026 | 88.07% | 86.73% | $0 | $58.0M |
| Q2 2026 | 88.22% | 86.62% | $0 | $72.0M |
Finance Factors, Limited liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Finance Factors, Limited, 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 Finance Factors, Limited profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25158) · FFIEC NIC profile (RSSD 827560)