Franklin Savings 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: 240.4% higher than in Q1 2026, at $35.4M. Franklin Savings Bank ranks 6th of 22 Maine banks on loan-to-deposit ratio, in the upper half at 112.41% (Q2 2026). Franklin Savings Bank reported 112.41% on loan-to-deposit ratio for Q2 2026, 31.57 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 | $22.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.5M |
| Fed funds sold and reverse repos | $311K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $35.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.41% |
| Net loans and leases to deposits | 111.55% |
| Loans and leases to core deposits | 120.88% |
| Core deposits to total deposits | 87.62% |
| Brokered deposits to total deposits | 5.38% |
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 | 107.73% | 94.43% | $1.4M | $22.0M |
| Q4 2023 | 112.91% | 92.99% | $0 | $47.7M |
| Q1 2024 | 112.35% | 92.73% | $133K | $48.5M |
| Q2 2024 | 117.88% | 92.56% | $133K | $70.8M |
| Q3 2024 | 115.04% | 92.29% | $0 | $50.6M |
| Q4 2024 | 113.77% | 91.38% | $0 | $46.6M |
| Q1 2025 | 106.91% | 85.46% | $0 | $12.0M |
| Q2 2025 | 109.47% | 86.45% | $0 | $30.5M |
| Q3 2025 | 110.52% | 86.59% | $0 | $34.0M |
| Q4 2025 | 108.68% | 84.69% | $0 | $19.0M |
| Q1 2026 | 109.91% | 86.58% | $0 | $10.4M |
| Q2 2026 | 112.41% | 87.62% | $0 | $35.4M |
Franklin Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Savings 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 Franklin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19836) · FFIEC NIC profile (RSSD 228000)