Liberty Savings Bank, F.S.B.: 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 42.9% in Q2 2026, from $42.0M to $60.0M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Liberty Savings Bank, F.S.B. is 81st of 156 on loan-to-deposit ratio, 81.18% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Liberty Savings Bank, F.S.B. sits 7.02 points lower, at 81.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $312.1M |
| 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 | $60.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.18% |
| Net loans and leases to deposits | 80.37% |
| Loans and leases to core deposits | 93.25% |
| Core deposits to total deposits | 86.17% |
| Brokered deposits to total deposits | 0.89% |
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 | 99.94% | 77.39% | $0 | $315.0M |
| Q4 2023 | 98.30% | 71.66% | $0 | $270.0M |
| Q1 2024 | 99.12% | 67.58% | $0 | $275.0M |
| Q2 2024 | 102.36% | 68.24% | $0 | $310.0M |
| Q3 2024 | 97.70% | 65.56% | $0 | $270.0M |
| Q4 2024 | 85.47% | 66.99% | $0 | $125.0M |
| Q1 2025 | 80.64% | 75.75% | $0 | $95.0M |
| Q2 2025 | 81.87% | 79.36% | $0 | $50.0M |
| Q3 2025 | 81.81% | 80.67% | $0 | $45.0M |
| Q4 2025 | 80.54% | 84.34% | $0 | $35.0M |
| Q1 2026 | 81.01% | 85.74% | $0 | $42.0M |
| Q2 2026 | 81.18% | 86.17% | $0 | $60.0M |
Liberty Savings Bank, F.S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Savings Bank, F.S.B., 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 Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32242) · FFIEC NIC profile (RSSD 839572)