The First National Bank of Groton: 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: 68.7% lower than in Q1 2026, at $4.1M. Within New York, The First National Bank of Groton is 88th of 105 on loan-to-deposit ratio, 60.44% 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. The First National Bank of Groton sits 20.40 points lower, at 60.44% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.7M |
| Fed funds sold and reverse repos | $346K |
| Fed funds sold and reverse repos to assets | 0.17% |
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 | 60.44% |
| Net loans and leases to deposits | 59.65% |
| Loans and leases to core deposits | 65.48% |
| Core deposits to total deposits | 92.30% |
| 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 | 51.17% | 95.40% | $0 | $0 |
| Q4 2023 | 54.00% | 93.05% | $0 | $0 |
| Q1 2024 | 53.86% | 93.35% | $0 | $0 |
| Q2 2024 | 57.34% | 93.13% | $0 | $3.2M |
| Q3 2024 | 58.37% | 92.46% | $0 | $2.1M |
| Q4 2024 | 57.39% | 92.69% | $0 | $0 |
| Q1 2025 | 55.09% | 92.82% | $0 | $0 |
| Q2 2025 | 59.50% | 92.62% | $0 | $0 |
| Q3 2025 | 59.80% | 92.81% | $0 | $0 |
| Q4 2025 | 61.45% | 92.75% | $0 | $0 |
| Q1 2026 | 57.41% | 92.97% | $0 | $0 |
| Q2 2026 | 60.44% | 92.30% | $0 | $0 |
The First National Bank of Groton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Groton, 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 The First National Bank of Groton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7085) · FFIEC NIC profile (RSSD 917500)