Magyar 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 Cash and balances due from depository institutions: 75.9% lower than in Q1 2026, at $11.5M. Magyar Bank ranks 10th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 103.24% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Magyar Bank sits 15.04 points higher, at 103.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.8M |
| 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 | $51.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.24% |
| Net loans and leases to deposits | 102.25% |
| Loans and leases to core deposits | 109.42% |
| Core deposits to total deposits | 87.26% |
| Brokered deposits to total deposits | 7.09% |
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 | 91.18% | 96.04% | $0 | $32.7M |
| Q4 2023 | 94.19% | 95.74% | $0 | $31.8M |
| Q1 2024 | 94.75% | 94.26% | $0 | $31.8M |
| Q2 2024 | 95.30% | 94.22% | $0 | $31.6M |
| Q3 2024 | 97.21% | 92.98% | $0 | $31.6M |
| Q4 2024 | 94.25% | 93.42% | $0 | $33.4M |
| Q1 2025 | 93.68% | 93.33% | $0 | $36.9M |
| Q2 2025 | 102.24% | 91.70% | $0 | $39.0M |
| Q3 2025 | 104.63% | 89.19% | $0 | $52.0M |
| Q4 2025 | 101.29% | 87.58% | $0 | $51.9M |
| Q1 2026 | 99.23% | 87.66% | $0 | $51.9M |
| Q2 2026 | 103.24% | 87.26% | $0 | $51.9M |
Magyar Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Magyar 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 Magyar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30704) · FFIEC NIC profile (RSSD 548771)