Ledyard National 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 Loan-to-deposit ratio: 6.55 percentage points higher than in Q1 2026, at 84.22%. Ledyard National Bank ranks 9th of 12 Vermont banks on loan-to-deposit ratio, in the lower half at 84.22% (Q2 2026). Ledyard National Bank reported 84.22% on loan-to-deposit ratio for Q2 2026, 3.98 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 | $33.0M |
| Cash and noninterest-bearing balances to assets | 3.07% |
| Cash and securities | $273.8M |
| Fed funds sold and reverse repos | $163K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $105.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.85% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.22% |
| Net loans and leases to deposits | 83.61% |
| Loans and leases to core deposits | 90.35% |
| Core deposits to total deposits | 87.76% |
| Brokered deposits to total deposits | 5.45% |
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 | 64.42% | 85.94% | $0 | $128.7M |
| Q4 2023 | 63.06% | 80.70% | $0 | $113.1M |
| Q1 2024 | 58.36% | 83.88% | $0 | $32.5M |
| Q2 2024 | 62.19% | 84.43% | $0 | $32.3M |
| Q3 2024 | 64.39% | 82.89% | $0 | $32.1M |
| Q4 2024 | 71.45% | 85.28% | $0 | $57.1M |
| Q1 2025 | 76.14% | 85.19% | $0 | $93.4M |
| Q2 2025 | 76.98% | 85.90% | $0 | $93.1M |
| Q3 2025 | 76.17% | 85.81% | $0 | $93.0M |
| Q4 2025 | 76.00% | 84.49% | $0 | $87.0M |
| Q1 2026 | 77.67% | 86.93% | $0 | $71.0M |
| Q2 2026 | 84.22% | 87.76% | $0 | $105.6M |
Ledyard National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ledyard National 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 Ledyard National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33418) · FFIEC NIC profile (RSSD 1863097)