First Federal Savings and Loan Association of Bath: 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: 20.9% higher than in Q1 2026, at $10.4M. Within Maine, First Federal Savings and Loan Association of Bath is 13th of 22 on loan-to-deposit ratio, 102.86% 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. First Federal Savings and Loan Association of Bath sits 22.03 points higher, at 102.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.6M |
| 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 | $13.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.86% |
| Net loans and leases to deposits | 101.58% |
| Loans and leases to core deposits | 107.01% |
| Core deposits to total deposits | 93.52% |
| Brokered deposits to total deposits | 2.60% |
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 | 89.36% | 95.11% | $0 | $5.0M |
| Q4 2023 | 96.24% | 95.55% | $0 | $11.0M |
| Q1 2024 | 98.83% | 96.29% | $0 | $13.0M |
| Q2 2024 | 101.13% | 95.54% | $0 | $15.0M |
| Q3 2024 | 99.26% | 94.72% | $0 | $12.0M |
| Q4 2024 | 101.30% | 94.46% | $0 | $12.0M |
| Q1 2025 | 100.55% | 94.77% | $0 | $13.0M |
| Q2 2025 | 105.18% | 94.81% | $0 | $16.0M |
| Q3 2025 | 102.11% | 94.63% | $0 | $11.0M |
| Q4 2025 | 106.32% | 94.73% | $0 | $16.0M |
| Q1 2026 | 103.75% | 94.60% | $0 | $12.5M |
| Q2 2026 | 102.86% | 93.52% | $0 | $13.5M |
First Federal Savings and Loan Association of Bath liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Bath, 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 Federal Savings and Loan Association of Bath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29636) · FFIEC NIC profile (RSSD 583071)