Habib American 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.
Loan-to-deposit ratio climbed 6.12 percentage points in Q2 2026, from 72.98% to 79.11%. It was the largest change from Q1 2026 among the key lines here. Habib American Bank ranks 67th of 105 New York banks on loan-to-deposit ratio, in the lower half at 79.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Habib American Bank sits 9.09 points lower, at 79.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $496.5M |
| Cash and noninterest-bearing balances to assets | 17.49% |
| Cash and securities | $820.4M |
| 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 | $100.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.11% |
| Net loans and leases to deposits | 78.11% |
| Loans and leases to core deposits | 138.76% |
| Core deposits to total deposits | 52.90% |
| Brokered deposits to total deposits | 4.11% |
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 | 70.06% | 48.92% | $0 | $100.0M |
| Q4 2023 | 76.49% | 51.32% | $0 | $100.0M |
| Q1 2024 | 72.19% | 49.20% | $0 | $100.0M |
| Q2 2024 | 63.63% | 42.15% | $0 | $107.2M |
| Q3 2024 | 71.00% | 47.63% | $0 | $100.0M |
| Q4 2024 | 78.13% | 50.80% | $0 | $100.0M |
| Q1 2025 | 66.22% | 44.49% | $0 | $100.0M |
| Q2 2025 | 74.21% | 49.44% | $0 | $100.0M |
| Q3 2025 | 78.18% | 51.91% | $0 | $100.0M |
| Q4 2025 | 78.92% | 49.20% | $0 | $100.0M |
| Q1 2026 | 72.98% | 46.97% | $0 | $100.0M |
| Q2 2026 | 79.11% | 52.90% | $0 | $100.0M |
Habib American Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Habib American 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 Habib American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25093) · FFIEC NIC profile (RSSD 245016)