First Central Savings 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.
Cash and balances due from depository institutions climbed 71.3% in Q2 2026, from $37.2M to $63.8M. It was the largest change from Q1 2026 among the key lines here. First Central Savings Bank ranks 15th of 105 New York banks on loan-to-deposit ratio, in the upper half at 100.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Central Savings Bank sits 12.37 points higher, at 100.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.3M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 0.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.57% |
| Net loans and leases to deposits | 99.68% |
| Loans and leases to core deposits | 122.57% |
| Core deposits to total deposits | 81.01% |
| Brokered deposits to total deposits | 1.13% |
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 | 98.10% | 76.80% | $0 | $20.0M |
| Q4 2023 | 101.76% | 75.91% | $0 | $45.0M |
| Q1 2024 | 98.32% | 75.08% | $0 | $14.5M |
| Q2 2024 | 98.28% | 76.23% | $0 | $14.5M |
| Q3 2024 | 102.91% | 76.45% | $0 | $30.0M |
| Q4 2024 | 102.34% | 76.71% | $0 | $30.0M |
| Q1 2025 | 103.20% | 78.10% | $0 | $25.0M |
| Q2 2025 | 101.91% | 78.23% | $0 | $25.0M |
| Q3 2025 | 101.48% | 77.43% | $0 | $25.0M |
| Q4 2025 | 101.24% | 78.01% | $0 | $25.0M |
| Q1 2026 | 104.09% | 79.95% | $0 | $25.0M |
| Q2 2026 | 100.57% | 81.01% | $0 | $25.0M |
First Central Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central Savings 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 First Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34969) · FFIEC NIC profile (RSSD 2797359)