Ives 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 Other borrowed money: 17.7% higher than in Q1 2026, at $112.8M. Ives Bank ranks 4th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 105.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ives Bank sits 17.14 points higher, at 105.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.5M |
| Cash and noninterest-bearing balances to assets | 2.85% |
| Cash and securities | $194.7M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $112.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.34% |
| Net loans and leases to deposits | 103.97% |
| Loans and leases to core deposits | 117.88% |
| Core deposits to total deposits | 79.24% |
| Brokered deposits to total deposits | 10.12% |
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 | 113.47% | 84.90% | $0 | $179.4M |
| Q4 2023 | 113.58% | 84.39% | $0 | $195.2M |
| Q1 2024 | 116.30% | 82.36% | $0 | $222.2M |
| Q2 2024 | 118.59% | 81.56% | $0 | $260.2M |
| Q3 2024 | 113.86% | 78.71% | $0 | $216.2M |
| Q4 2024 | 108.05% | 79.38% | $0 | $150.2M |
| Q1 2025 | 108.44% | 79.39% | $0 | $142.2M |
| Q2 2025 | 108.27% | 79.24% | $0 | $146.3M |
| Q3 2025 | 109.26% | 79.77% | $0 | $151.3M |
| Q4 2025 | 103.58% | 79.52% | $0 | $85.6M |
| Q1 2026 | 104.50% | 78.62% | $0 | $95.9M |
| Q2 2026 | 105.34% | 79.24% | $0 | $112.8M |
Ives Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ives 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 Ives Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15912) · FFIEC NIC profile (RSSD 626101)