Five Star 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.
The standout move of Q2 2026 was in Other borrowed money: 59.6% higher than in Q1 2026, at $182.0M. Within New York, Five Star Bank is 44th of 105 on loan-to-deposit ratio, 89.56% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Five Star Bank reported 89.56% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $92.5M |
| Cash and noninterest-bearing balances to assets | 1.47% |
| Cash and securities | $1.08B |
| 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 | $182.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.89% |
| Trading liabilities | $27.4M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.56% |
| Net loans and leases to deposits | 88.67% |
| Loans and leases to core deposits | 98.67% |
| Core deposits to total deposits | 87.66% |
| Brokered deposits to total deposits | 3.10% |
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 | 83.01% | 86.37% | $0 | $120.0M |
| Q4 2023 | 85.33% | 87.72% | $0 | $235.0M |
| Q1 2024 | 82.04% | 89.35% | $0 | $183.0M |
| Q2 2024 | 86.67% | 91.25% | $0 | $252.0M |
| Q3 2024 | 82.74% | 91.54% | $0 | $105.0M |
| Q4 2024 | 86.93% | 90.64% | $0 | $149.0M |
| Q1 2025 | 83.96% | 88.52% | $0 | $105.0M |
| Q2 2025 | 87.33% | 89.05% | $0 | $151.0M |
| Q3 2025 | 85.52% | 88.43% | $0 | $105.0M |
| Q4 2025 | 88.12% | 88.26% | $0 | $159.0M |
| Q1 2026 | 86.53% | 88.21% | $0 | $114.0M |
| Q2 2026 | 89.56% | 87.66% | $0 | $182.0M |
Five Star Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Star 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 Five Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 659) · FFIEC NIC profile (RSSD 601416)