First Federal Savings of Middletown: 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 Loans and leases to core deposits: 3.99 percentage points higher than in Q1 2026, at 178.07%. On loan-to-deposit ratio, First Federal Savings of Middletown ranks 2nd highest among the 105 banks headquartered in New York, at 133.99% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, First Federal Savings of Middletown reported 133.99% on loan-to-deposit ratio in Q2 2026, 53.15 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.9M |
| 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 | 133.99% |
| Net loans and leases to deposits | 132.60% |
| Loans and leases to core deposits | 178.07% |
| Core deposits to total deposits | 75.25% |
| 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 | 123.68% | 88.17% | $0 | $0 |
| Q4 2023 | 123.94% | 87.37% | $0 | $0 |
| Q1 2024 | 130.16% | 84.82% | $0 | $0 |
| Q2 2024 | 134.39% | 84.80% | $0 | $0 |
| Q3 2024 | 136.77% | 82.89% | $0 | $0 |
| Q4 2024 | 139.27% | 81.69% | $0 | $0 |
| Q1 2025 | 142.10% | 80.98% | $0 | $0 |
| Q2 2025 | 140.23% | 80.31% | $0 | $0 |
| Q3 2025 | 144.26% | 78.41% | $0 | $0 |
| Q4 2025 | 142.30% | 78.65% | $0 | $0 |
| Q1 2026 | 136.01% | 78.13% | $0 | $0 |
| Q2 2026 | 133.99% | 75.25% | $0 | $0 |
First Federal Savings of Middletown 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 of Middletown, 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 of Middletown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28712) · FFIEC NIC profile (RSSD 565170)