Hanover Community 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.
Cash and balances due from depository institutions dropped 27.4% in Q2 2026, from $194.4M to $141.2M. It was the largest change from Q1 2026 among the key lines here. Hanover Community Bank ranks 18th of 105 New York banks on loan-to-deposit ratio, in the upper half at 99.39% (Q2 2026). Hanover Community Bank reported 99.39% on loan-to-deposit ratio for Q2 2026, 11.19 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $141.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $277.2M |
| 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 | $59.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.39% |
| Net loans and leases to deposits | 98.44% |
| Loans and leases to core deposits | 104.99% |
| Core deposits to total deposits | 88.37% |
| Brokered deposits to total deposits | 6.30% |
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 | 107.99% | 86.64% | $0 | $179.8M |
| Q4 2023 | 103.18% | 89.54% | $0 | $129.0M |
| Q1 2024 | 104.97% | 90.72% | $20.0M | $129.0M |
| Q2 2024 | 104.22% | 88.59% | $0 | $149.0M |
| Q3 2024 | 103.24% | 86.91% | $0 | $125.8M |
| Q4 2024 | 102.19% | 89.93% | $0 | $107.8M |
| Q1 2025 | 102.10% | 89.63% | $0 | $107.8M |
| Q2 2025 | 101.31% | 88.14% | $0 | $107.8M |
| Q3 2025 | 101.11% | 88.79% | $0 | $100.7M |
| Q4 2025 | 98.95% | 89.24% | $0 | $100.7M |
| Q1 2026 | 97.93% | 87.28% | $0 | $59.8M |
| Q2 2026 | 99.39% | 88.37% | $0 | $59.8M |
Hanover Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hanover Community 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 Hanover Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58675) · FFIEC NIC profile (RSSD 3793714)