Liberty Bank of New Jersey: 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 Loans and leases to core deposits: 5.27 percentage points higher than in Q1 2026, at 5.27%. On loan-to-deposit ratio, Liberty Bank of New Jersey is 2nd from the bottom among 49 New Jersey banks, 5.11% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Liberty Bank of New Jersey reported 5.11% on loan-to-deposit ratio in Q2 2026, 75.73 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $96.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $102.5M |
| 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 | $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 | 5.11% |
| Net loans and leases to deposits | 5.06% |
| Loans and leases to core deposits | 5.27% |
| Core deposits to total deposits | 97.02% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 2 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 |
|---|---|---|---|---|
| Q1 2026 | 0.00% | 100.00% | $0 | $0 |
| Q2 2026 | 5.11% | 97.02% | $0 | $0 |
Liberty Bank of New Jersey liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank of New Jersey, 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 of New Jersey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59369) · FFIEC NIC profile (RSSD 6095071)