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 Cash and balances due from depository institutions: 179.4% higher than in Q1 2026, at $34.2M. Within New Hampshire, Franklin Savings Bank is 9th of 16 on loan-to-deposit ratio, 94.33% as of Q2 2026, below the middle of the field. Franklin Savings Bank reported 94.33% on loan-to-deposit ratio for Q2 2026, 13.49 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 | $34.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $159.0M |
| 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 | $65.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.33% |
| Net loans and leases to deposits | 93.49% |
| Loans and leases to core deposits | 100.14% |
| Core deposits to total deposits | 93.73% |
| Brokered deposits to total deposits | 0.47% |
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 | 82.21% | 91.98% | $0 | $23.1M |
| Q4 2023 | 86.79% | 92.03% | $0 | $48.5M |
| Q1 2024 | 88.54% | 93.36% | $0 | $63.1M |
| Q2 2024 | 89.56% | 93.71% | $0 | $73.1M |
| Q3 2024 | 87.15% | 90.92% | $0 | $53.9M |
| Q4 2024 | 88.12% | 91.96% | $0 | $46.9M |
| Q1 2025 | 91.86% | 91.15% | $0 | $65.4M |
| Q2 2025 | 92.96% | 90.41% | $0 | $78.6M |
| Q3 2025 | 93.54% | 90.40% | $0 | $55.9M |
| Q4 2025 | 92.97% | 88.42% | $0 | $36.1M |
| Q1 2026 | 94.62% | 92.97% | $0 | $48.9M |
| Q2 2026 | 94.33% | 93.73% | $0 | $65.3M |
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 17951) · FFIEC NIC profile (RSSD 491402)