Massena Savings and Loan: 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: 2.67 percentage points higher than in Q1 2026, at 152.42%. On loan-to-deposit ratio, Massena Savings and Loan ranks 7th highest among the 105 banks headquartered in New York, at 122.53% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Massena Savings and Loan reported 122.53% on loan-to-deposit ratio in Q2 2026, 41.69 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.8M |
| 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 | $21.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.53% |
| Net loans and leases to deposits | 121.68% |
| Loans and leases to core deposits | 152.42% |
| Core deposits to total deposits | 80.39% |
| Brokered deposits to total deposits | 0.00% |
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 | 127.52% | 85.53% | $0 | $23.0M |
| Q4 2023 | 123.94% | 80.46% | $0 | $23.0M |
| Q1 2024 | 122.38% | 80.82% | $0 | $23.0M |
| Q2 2024 | 120.97% | 80.35% | $0 | $23.0M |
| Q3 2024 | 119.73% | 80.49% | $0 | $23.0M |
| Q4 2024 | 118.26% | 79.52% | $0 | $16.0M |
| Q1 2025 | 115.90% | 79.73% | $0 | $13.0M |
| Q2 2025 | 116.01% | 79.96% | $0 | $13.0M |
| Q3 2025 | 121.54% | 79.73% | $0 | $19.0M |
| Q4 2025 | 123.02% | 80.54% | $0 | $23.0M |
| Q1 2026 | 121.44% | 81.10% | $0 | $21.0M |
| Q2 2026 | 122.53% | 80.39% | $0 | $21.0M |
Massena Savings and Loan liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Massena Savings and Loan, 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 Massena Savings and Loan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30429) · FFIEC NIC profile (RSSD 454975)