Metropolitan Commercial 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.
Cash and balances due from depository institutions dropped 64.4% in Q2 2026, from $672.4M to $239.3M. It was the largest change from Q1 2026 among the key lines here. Within New York, Metropolitan Commercial Bank is 30th of 105 on loan-to-deposit ratio, 94.26% as of Q2 2026, above the middle of the field. Metropolitan Commercial Bank reported 94.26% on loan-to-deposit ratio for Q2 2026, 6.05 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $239.3M |
| Cash and noninterest-bearing balances to assets | 2.70% |
| Cash and securities | $1.33B |
| 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 | $15.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.26% |
| Net loans and leases to deposits | 93.46% |
| Loans and leases to core deposits | 94.80% |
| Core deposits to total deposits | 72.99% |
| Brokered deposits to total deposits | 26.43% |
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 | 96.22% | 56.45% | $0 | $362.6M |
| Q4 2023 | 97.51% | 56.44% | $99.0M | $447.6M |
| Q1 2024 | 91.09% | 52.71% | $0 | $407.5M |
| Q2 2024 | 94.02% | 52.46% | $0 | $257.5M |
| Q3 2024 | 93.37% | 51.11% | $0 | $257.5M |
| Q4 2024 | 100.31% | 47.32% | $210.0M | $247.4M |
| Q1 2025 | 97.18% | 47.37% | $125.0M | $177.4M |
| Q2 2025 | 96.88% | 49.34% | $50.0M | $167.4M |
| Q3 2025 | 95.02% | 70.41% | $125.0M | $167.4M |
| Q4 2025 | 91.63% | 70.53% | $0 | $11.0M |
| Q1 2026 | 90.40% | 70.34% | $0 | $16.0M |
| Q2 2026 | 94.26% | 72.99% | $0 | $15.9M |
Metropolitan Commercial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Metropolitan Commercial 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 Metropolitan Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34699) · FFIEC NIC profile (RSSD 2705895)