Lamont Bank of St. John: 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 70.6% in Q2 2026, from $5.1M to $1.5M. It was the largest change from Q1 2026 among the key lines here. Within Washington, Lamont Bank of St. John is 24th of 29 on loan-to-deposit ratio, 70.62% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Lamont Bank of St. John sits 2.99 points higher, at 70.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.7M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 2.96% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $100K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.62% |
| Net loans and leases to deposits | 65.58% |
| Loans and leases to core deposits | 75.23% |
| Core deposits to total deposits | 93.86% |
| 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 | 88.74% | 100.00% | $0 | $13.3M |
| Q4 2023 | 77.93% | 100.00% | $0 | $8.5M |
| Q1 2024 | 85.49% | 100.00% | $2.4M | $7.7M |
| Q2 2024 | 93.43% | 100.00% | $1.2M | $12.6M |
| Q3 2024 | 85.25% | 98.20% | $3.0M | $5.2M |
| Q4 2024 | 70.46% | 86.52% | $0 | $4.2M |
| Q1 2025 | 74.01% | 89.42% | $0 | $4.2M |
| Q2 2025 | 83.28% | 91.63% | $0 | $3.3M |
| Q3 2025 | 72.26% | 92.22% | $0 | $500K |
| Q4 2025 | 64.63% | 92.17% | $0 | $100K |
| Q1 2026 | 64.84% | 93.82% | $0 | $100K |
| Q2 2026 | 70.62% | 93.86% | $0 | $100K |
Lamont Bank of St. John liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lamont Bank of St. John, 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 Lamont Bank of St. John profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8681) · FFIEC NIC profile (RSSD 519874)