Liberty 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.
Other borrowed money climbed 51.4% in Q2 2026, from $586.4M to $887.7M. It was the largest change from Q1 2026 among the key lines here. Liberty Bank ranks 5th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 103.03% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Liberty Bank sits 14.83 points higher, at 103.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $208.8M |
| Cash and noninterest-bearing balances to assets | 2.23% |
| Cash and securities | $1.63B |
| 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 | $887.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.03% |
| Net loans and leases to deposits | 101.81% |
| Loans and leases to core deposits | 106.17% |
| Core deposits to total deposits | 94.59% |
| Brokered deposits to total deposits | 2.46% |
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 | 94.80% | 93.77% | $0 | $463.3M |
| Q4 2023 | 96.80% | 93.22% | $0 | $574.2M |
| Q1 2024 | 93.89% | 92.77% | $0 | $394.1M |
| Q2 2024 | 93.49% | 92.21% | $0 | $363.1M |
| Q3 2024 | 92.72% | 91.33% | $0 | $283.0M |
| Q4 2024 | 94.07% | 92.76% | $0 | $343.0M |
| Q1 2025 | 92.64% | 93.28% | $0 | $243.8M |
| Q2 2025 | 95.47% | 93.37% | $0 | $426.7M |
| Q3 2025 | 96.28% | 92.83% | $0 | $471.6M |
| Q4 2025 | 100.51% | 93.03% | $0 | $711.5M |
| Q1 2026 | 98.63% | 93.50% | $0 | $586.4M |
| Q2 2026 | 103.03% | 94.59% | $0 | $887.7M |
Liberty Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17943) · FFIEC NIC profile (RSSD 587800)