First Federal Savings and Loan Association of Newark: 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.
Loans and leases to core deposits climbed 0.90 percentage points in Q2 2026, from 98.14% to 99.04%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings and Loan Association of Newark ranks 69th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 84.30% (Q2 2026). First Federal Savings and Loan Association of Newark reported 84.30% on loan-to-deposit ratio for Q2 2026, 3.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.8M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.30% |
| Net loans and leases to deposits | 83.73% |
| Loans and leases to core deposits | 99.04% |
| Core deposits to total deposits | 85.12% |
| 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 | 80.41% | 86.81% | $0 | $500K |
| Q4 2023 | 83.36% | 88.88% | $0 | $500K |
| Q1 2024 | 85.60% | 88.29% | $1.5M | $3.5M |
| Q2 2024 | 84.93% | 88.04% | $0 | $3.5M |
| Q3 2024 | 84.58% | 87.33% | $0 | $3.0M |
| Q4 2024 | 82.04% | 87.79% | $0 | $1.5M |
| Q1 2025 | 83.17% | 87.14% | $0 | $500K |
| Q2 2025 | 85.62% | 86.50% | $0 | $0 |
| Q3 2025 | 83.82% | 86.10% | $0 | $0 |
| Q4 2025 | 83.98% | 85.79% | $0 | $0 |
| Q1 2026 | 84.01% | 85.60% | $0 | $0 |
| Q2 2026 | 84.30% | 85.12% | $0 | $0 |
First Federal Savings and Loan Association of Newark 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 Newark, 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 Newark profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29090) · FFIEC NIC profile (RSSD 623874)