Hertford Savings Bank, SSB: 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 Q3 2026 was in Loans and leases to core deposits: 2.48 percentage points higher than in Q2 2026, at 91.02%. Within North Carolina, Hertford Savings Bank, SSB is 23rd of 38 on loan-to-deposit ratio, 81.49% as of Q3 2026, below the middle of the field. Hertford Savings Bank, SSB reported 81.49% on loan-to-deposit ratio for Q3 2026, 13.86 points above the 67.62% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $5.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 81.49% |
| Net loans and leases to deposits | 80.77% |
| Loans and leases to core deposits | 91.02% |
| Core deposits to total deposits | 89.53% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 84.47% | 100.00% | $0 | $0 |
| Q1 2024 | 79.38% | 94.80% | $0 | $0 |
| Q2 2024 | 82.50% | 93.10% | $0 | $0 |
| Q3 2024 | 83.04% | 91.22% | $0 | $0 |
| Q4 2024 | 88.69% | 92.72% | $0 | $0 |
| Q1 2025 | 86.36% | 93.08% | $0 | $0 |
| Q2 2025 | 81.48% | 93.12% | $0 | $0 |
| Q3 2025 | 79.28% | 91.81% | $0 | $0 |
| Q4 2025 | 78.59% | 91.87% | $0 | $0 |
| Q1 2026 | 76.28% | 89.41% | $0 | $0 |
| Q2 2026 | 79.22% | 89.47% | $0 | $0 |
| Q3 2026 | 81.49% | 89.53% | $0 | $0 |
Hertford Savings Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hertford Savings Bank, SSB, 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 Hertford Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31345) · FFIEC NIC profile (RSSD 971379)