Maple City Savings Bank, FSB: 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 Brokered deposits to total deposits: 0.79 percentage points lower than in Q1 2026, at 15.22%. Within New York, Maple City Savings Bank, FSB is 61st of 105 on loan-to-deposit ratio, 82.36% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Maple City Savings Bank, FSB reported 82.36% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.1M |
| 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 | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.36% |
| Net loans and leases to deposits | 81.58% |
| Loans and leases to core deposits | 87.09% |
| Core deposits to total deposits | 79.36% |
| Brokered deposits to total deposits | 15.22% |
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 | 84.71% | 78.03% | $0 | $3.0M |
| Q4 2023 | 89.09% | 79.39% | $0 | $7.0M |
| Q1 2024 | 89.60% | 77.88% | $0 | $9.0M |
| Q2 2024 | 87.84% | 77.30% | $0 | $9.0M |
| Q3 2024 | 88.96% | 79.61% | $0 | $7.0M |
| Q4 2024 | 84.62% | 77.39% | $0 | $4.0M |
| Q1 2025 | 84.19% | 77.19% | $0 | $2.0M |
| Q2 2025 | 81.55% | 78.41% | $0 | $2.0M |
| Q3 2025 | 83.44% | 77.63% | $0 | $2.0M |
| Q4 2025 | 85.94% | 78.52% | $0 | $3.5M |
| Q1 2026 | 82.39% | 78.66% | $0 | $2.0M |
| Q2 2026 | 82.36% | 79.36% | $0 | $2.0M |
Maple City Savings Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Maple City Savings Bank, FSB, 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 Maple City Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28585) · FFIEC NIC profile (RSSD 548472)