The Millyard 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 climbed 66.9% in Q2 2026, from $17.4M to $29.1M. It was the largest change from Q1 2026 among the key lines here. Within New Hampshire, The Millyard Bank is 8th of 16 on loan-to-deposit ratio, 95.43% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Millyard Bank sits 14.60 points higher, at 95.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $62.4M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 0.51% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.43% |
| Net loans and leases to deposits | 94.53% |
| Loans and leases to core deposits | 103.92% |
| Core deposits to total deposits | 80.05% |
| Brokered deposits to total deposits | 11.78% |
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 | 77.51% | 72.47% | $0 | $6.0M |
| Q4 2023 | 76.82% | 76.68% | $0 | $11.0M |
| Q1 2024 | 85.20% | 79.65% | $0 | $9.0M |
| Q2 2024 | 88.07% | 78.99% | $0 | $9.0M |
| Q3 2024 | 87.79% | 77.43% | $0 | $5.0M |
| Q4 2024 | 91.79% | 79.17% | $0 | $10.0M |
| Q1 2025 | 94.84% | 78.35% | $0 | $20.0M |
| Q2 2025 | 91.47% | 77.33% | $0 | $20.0M |
| Q3 2025 | 88.11% | 83.34% | $0 | $20.0M |
| Q4 2025 | 97.91% | 84.69% | $0 | $15.0M |
| Q1 2026 | 97.26% | 81.41% | $0 | $20.0M |
| Q2 2026 | 95.43% | 80.05% | $0 | $25.0M |
The Millyard Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Millyard 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 The Millyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59176) · FFIEC NIC profile (RSSD 5448915)