GSL 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 Loans and leases to core deposits: 7.24 percentage points higher than in Q1 2026, at 109.74%. Within New Jersey, GSL Savings Bank is 19th of 49 on loan-to-deposit ratio, 99.44% as of Q2 2026, above the middle of the field. GSL Savings Bank reported 99.44% on loan-to-deposit ratio for Q2 2026, 18.60 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 | $17.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.1M |
| 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 | $18.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.44% |
| Net loans and leases to deposits | 98.71% |
| Loans and leases to core deposits | 109.74% |
| Core deposits to total deposits | 90.62% |
| 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 | 87.04% | 87.35% | $0 | $9.7M |
| Q4 2023 | 80.14% | 66.49% | $0 | $9.6M |
| Q1 2024 | 84.85% | 68.07% | $0 | $9.5M |
| Q2 2024 | 85.74% | 67.85% | $0 | $9.4M |
| Q3 2024 | 83.96% | 67.47% | $0 | $14.3M |
| Q4 2024 | 93.27% | 90.77% | $0 | $20.2M |
| Q1 2025 | 88.34% | 90.12% | $0 | $19.1M |
| Q2 2025 | 90.05% | 91.47% | $0 | $19.0M |
| Q3 2025 | 94.52% | 90.89% | $0 | $18.9M |
| Q4 2025 | 100.13% | 90.56% | $0 | $18.8M |
| Q1 2026 | 93.40% | 91.13% | $0 | $18.7M |
| Q2 2026 | 99.44% | 90.62% | $0 | $18.6M |
GSL Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock GSL 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 GSL Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28708) · FFIEC NIC profile (RSSD 564678)