Geddes Federal Savings and Loan Association: 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.
Fed funds sold and reverse repos climbed 117.5% in Q2 2026, from $14.7M to $32.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Geddes Federal Savings and Loan Association ranks 9th highest among the 105 banks headquartered in New York, at 113.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Geddes Federal Savings and Loan Association sits 32.58 points higher, at 113.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.0M |
| Cash and noninterest-bearing balances to assets | 1.76% |
| Cash and securities | $89.4M |
| Fed funds sold and reverse repos | $32.0M |
| Fed funds sold and reverse repos to assets | 4.66% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $71.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.42% |
| Net loans and leases to deposits | 113.20% |
| Loans and leases to core deposits | 142.70% |
| Core deposits to total deposits | 79.48% |
| Brokered deposits to total deposits | 0.00% |
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 | 125.66% | 82.40% | $0 | $100.0M |
| Q4 2023 | 120.69% | 81.88% | $0 | $99.0M |
| Q1 2024 | 117.31% | 80.99% | $0 | $90.5M |
| Q2 2024 | 113.46% | 80.92% | $0 | $90.5M |
| Q3 2024 | 117.46% | 80.02% | $0 | $84.2M |
| Q4 2024 | 117.61% | 81.13% | $0 | $84.2M |
| Q1 2025 | 118.33% | 80.89% | $0 | $70.2M |
| Q2 2025 | 117.33% | 80.58% | $0 | $70.2M |
| Q3 2025 | 118.08% | 79.71% | $0 | $64.0M |
| Q4 2025 | 116.86% | 80.02% | $0 | $62.0M |
| Q1 2026 | 116.78% | 79.42% | $0 | $71.0M |
| Q2 2026 | 113.42% | 79.48% | $0 | $71.0M |
Geddes Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Geddes Federal Savings and Loan Association, 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 Geddes Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30397) · FFIEC NIC profile (RSSD 451273)