Genesee Regional 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.
Other borrowed money dropped 23.6% in Q2 2026, from $125.8M to $96.1M. It was the largest change from Q1 2026 among the key lines here. Within New York, Genesee Regional Bank is 53rd of 105 on loan-to-deposit ratio, 84.62% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Genesee Regional Bank sits 3.59 points lower, at 84.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $131.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $340.4M |
| 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 | $96.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.62% |
| Net loans and leases to deposits | 83.45% |
| Loans and leases to core deposits | 89.95% |
| Core deposits to total deposits | 84.73% |
| Brokered deposits to total deposits | 9.34% |
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 | 101.17% | 82.62% | $0 | $240.7M |
| Q4 2023 | 97.96% | 83.81% | $0 | $181.5M |
| Q1 2024 | 100.28% | 83.88% | $0 | $228.0M |
| Q2 2024 | 96.05% | 80.95% | $0 | $174.1M |
| Q3 2024 | 96.06% | 80.78% | $0 | $181.7M |
| Q4 2024 | 95.19% | 82.25% | $0 | $147.7M |
| Q1 2025 | 92.78% | 82.02% | $0 | $173.0M |
| Q2 2025 | 92.52% | 83.54% | $0 | $185.7M |
| Q3 2025 | 94.12% | 82.32% | $0 | $186.7M |
| Q4 2025 | 88.95% | 83.96% | $0 | $130.8M |
| Q1 2026 | 86.39% | 84.16% | $0 | $125.8M |
| Q2 2026 | 84.62% | 84.73% | $0 | $96.1M |
Genesee Regional Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesee Regional 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 Genesee Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26333) · FFIEC NIC profile (RSSD 852704)