Interaudi 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: 6.99 percentage points higher than in Q1 2026, at 150.56%. Within New York, Interaudi Bank is 79th of 105 on loan-to-deposit ratio, 70.03% as of Q2 2026. Interaudi Bank reported 70.03% on loan-to-deposit ratio for Q2 2026, 18.17 points below 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 | $396.2M |
| Cash and noninterest-bearing balances to assets | 14.80% |
| Cash and securities | $984.6M |
| 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 | $29.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.03% |
| Net loans and leases to deposits | 69.60% |
| Loans and leases to core deposits | 150.56% |
| Core deposits to total deposits | 45.79% |
| Brokered deposits to total deposits | 0.73% |
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 | 66.57% | 58.21% | $0 | $36.2M |
| Q4 2023 | 65.39% | 54.88% | $0 | $85.3M |
| Q1 2024 | 64.08% | 50.91% | $0 | $25.3M |
| Q2 2024 | 64.64% | 47.76% | $0 | $25.3M |
| Q3 2024 | 66.38% | 48.22% | $0 | $25.3M |
| Q4 2024 | 66.44% | 44.37% | $0 | $85.3M |
| Q1 2025 | 69.96% | 44.63% | $0 | $29.1M |
| Q2 2025 | 69.21% | 45.52% | $0 | $29.1M |
| Q3 2025 | 67.75% | 42.85% | $0 | $29.1M |
| Q4 2025 | 66.67% | 42.95% | $0 | $29.1M |
| Q1 2026 | 68.67% | 44.21% | $0 | $29.1M |
| Q2 2026 | 70.03% | 45.79% | $0 | $29.1M |
Interaudi Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Interaudi 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 Interaudi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24516) · FFIEC NIC profile (RSSD 538802)