First Seacoast 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 dropped 57.0% in Q2 2026, from $12.8M to $5.5M. It was the largest change from Q1 2026 among the key lines here. Within New Hampshire, First Seacoast Bank is 11th of 16 on loan-to-deposit ratio, 89.35% as of Q2 2026. First Seacoast Bank reported 89.35% on loan-to-deposit ratio for Q2 2026, 8.79 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $139.3M |
| 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 | $44.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.35% |
| Net loans and leases to deposits | 88.62% |
| Loans and leases to core deposits | 94.03% |
| Core deposits to total deposits | 82.96% |
| Brokered deposits to total deposits | 12.06% |
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 | 98.28% | 91.37% | $0 | $69.9M |
| Q4 2023 | 100.70% | 90.46% | $0 | $93.0M |
| Q1 2024 | 100.63% | 90.25% | $0 | $98.4M |
| Q2 2024 | 92.28% | 84.06% | $0 | $72.3M |
| Q3 2024 | 93.40% | 84.04% | $0 | $72.3M |
| Q4 2024 | 92.65% | 82.65% | $0 | $52.3M |
| Q1 2025 | 94.71% | 83.32% | $0 | $63.4M |
| Q2 2025 | 89.76% | 78.54% | $0 | $59.0M |
| Q3 2025 | 86.84% | 80.60% | $0 | $51.7M |
| Q4 2025 | 85.90% | 81.02% | $0 | $52.3M |
| Q1 2026 | 87.51% | 83.76% | $0 | $52.3M |
| Q2 2026 | 89.35% | 82.96% | $0 | $44.8M |
First Seacoast Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Seacoast 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 Seacoast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29744) · FFIEC NIC profile (RSSD 119872)