Modern Bank, N.A.: 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.
Net loans and leases to deposits climbed 4.94 percentage points in Q2 2026, from 94.86% to 99.79%. It was the largest change from Q1 2026 among the key lines here. Modern Bank, N.A. ranks 14th of 105 New York banks on loan-to-deposit ratio, in the upper half at 101.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Modern Bank, N.A. sits 20.46 points higher, at 101.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $144.6M |
| 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 | $96.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.30% |
| Net loans and leases to deposits | 99.79% |
| Loans and leases to core deposits | 102.02% |
| Core deposits to total deposits | 72.72% |
| Brokered deposits to total deposits | 26.57% |
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 | 104.81% | 85.44% | $0 | $100.9M |
| Q4 2023 | 85.83% | 75.89% | $0 | $70.9M |
| Q1 2024 | 81.40% | 69.23% | $0 | $70.6M |
| Q2 2024 | 87.95% | 70.79% | $0 | $60.6M |
| Q3 2024 | 90.16% | 64.41% | $0 | $76.4M |
| Q4 2024 | 87.05% | 61.48% | $0 | $69.1M |
| Q1 2025 | 88.83% | 59.77% | $0 | $89.0M |
| Q2 2025 | 87.82% | 64.77% | $0 | $88.9M |
| Q3 2025 | 97.71% | 64.11% | $0 | $80.8M |
| Q4 2025 | 94.98% | 64.90% | $0 | $78.1M |
| Q1 2026 | 96.41% | 69.07% | $0 | $103.1M |
| Q2 2026 | 101.30% | 72.72% | $0 | $96.5M |
Modern Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Modern Bank, N.A., 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 Modern Bank, N.A. profile, peer group comparison, or how this data updates.
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