Jarrettsville Federal Savings and Loan Association: 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.
Fed funds sold and reverse repos dropped 17.5% in Q2 2026, from $10.2M to $8.4M. It was the largest change from Q1 2026 among the key lines here. Within Maryland, Jarrettsville Federal Savings and Loan Association is 21st of 27 on loan-to-deposit ratio, 80.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Jarrettsville Federal Savings and Loan Association reported 80.12% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.8M |
| Fed funds sold and reverse repos | $8.4M |
| Fed funds sold and reverse repos to assets | 5.01% |
Borrowed funds
| Line item | Q2 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 | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.12% |
| Net loans and leases to deposits | 79.29% |
| Loans and leases to core deposits | 89.93% |
| Core deposits to total deposits | 89.09% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 74.62% | 89.29% | $0 | $0 |
| Q4 2023 | 75.88% | 88.63% | $0 | $0 |
| Q1 2024 | 76.35% | 87.44% | $0 | $0 |
| Q2 2024 | 76.58% | 87.50% | $0 | $0 |
| Q3 2024 | 79.31% | 87.87% | $0 | $0 |
| Q4 2024 | 75.61% | 86.82% | $0 | $0 |
| Q1 2025 | 76.32% | 86.77% | $0 | $0 |
| Q2 2025 | 77.82% | 87.16% | $0 | $0 |
| Q3 2025 | 77.94% | 88.03% | $0 | $0 |
| Q4 2025 | 77.44% | 88.37% | $0 | $0 |
| Q1 2026 | 79.99% | 88.69% | $0 | $0 |
| Q2 2026 | 80.12% | 89.09% | $0 | $0 |
Jarrettsville Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Jarrettsville Federal Savings and Loan Association, 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 Jarrettsville Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31083) · FFIEC NIC profile (RSSD 613978)