Freedom 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: 50.0% lower than in Q1 2026, at $38.2M. Freedom Bank ranks 9th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 103.65% (Q2 2026). Freedom Bank reported 103.65% on loan-to-deposit ratio for Q2 2026, 22.81 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 | $38.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.6M |
| 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 | $39.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.65% |
| Net loans and leases to deposits | 103.02% |
| Loans and leases to core deposits | 139.15% |
| Core deposits to total deposits | 73.78% |
| Brokered deposits to total deposits | 0.70% |
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 | 113.72% | 74.76% | $0 | $60.8M |
| Q4 2023 | 114.76% | 74.97% | $0 | $70.8M |
| Q1 2024 | 108.41% | 77.79% | $0 | $70.8M |
| Q2 2024 | 110.12% | 67.47% | $0 | $65.8M |
| Q3 2024 | 104.90% | 68.75% | $0 | $40.8M |
| Q4 2024 | 103.47% | 74.33% | $0 | $40.8M |
| Q1 2025 | 103.05% | 72.15% | $0 | $36.8M |
| Q2 2025 | 104.43% | 71.22% | $0 | $36.8M |
| Q3 2025 | 105.05% | 69.12% | $0 | $56.8M |
| Q4 2025 | 101.94% | 74.54% | $0 | $19.8M |
| Q1 2026 | 100.28% | 70.80% | $0 | $39.8M |
| Q2 2026 | 103.65% | 73.78% | $0 | $39.8M |
Freedom Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58712) · FFIEC NIC profile (RSSD 3729124)