Millville Savings 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.
Loans and leases to core deposits climbed 5.65 percentage points in Q2 2026, from 50.30% to 55.96%. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, Millville Savings Bank is 42nd of 49 on loan-to-deposit ratio, 53.36% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Millville Savings Bank sits 27.58 points lower, at 53.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.8M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.36% |
| Net loans and leases to deposits | 52.42% |
| Loans and leases to core deposits | 55.96% |
| Core deposits to total deposits | 95.37% |
| 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 | 37.85% | 97.32% | $0 | $0 |
| Q4 2023 | 38.48% | 98.18% | $0 | $0 |
| Q1 2024 | 38.70% | 98.62% | $0 | $0 |
| Q2 2024 | 43.83% | 98.25% | $0 | $0 |
| Q3 2024 | 45.20% | 97.49% | $0 | $0 |
| Q4 2024 | 46.81% | 98.06% | $0 | $0 |
| Q1 2025 | 45.69% | 97.12% | $0 | $0 |
| Q2 2025 | 46.93% | 96.57% | $0 | $0 |
| Q3 2025 | 49.15% | 95.93% | $0 | $0 |
| Q4 2025 | 48.06% | 95.65% | $0 | $0 |
| Q1 2026 | 48.06% | 95.53% | $0 | $0 |
| Q2 2026 | 53.36% | 95.37% | $0 | $0 |
Millville Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Millville Savings 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 Millville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30183) · FFIEC NIC profile (RSSD 814476)