Monroe Federal Savings and Loan Association: 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.
Other borrowed money climbed 86.4% in Q2 2026, from $4.2M to $7.8M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Monroe Federal Savings and Loan Association is 46th of 156 on loan-to-deposit ratio, 90.65% as of Q2 2026, above the middle of the field. Monroe Federal Savings and Loan Association reported 90.65% on loan-to-deposit ratio for Q2 2026, 9.71 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.3M |
| Fed funds sold and reverse repos | $459K |
| Fed funds sold and reverse repos to assets | 0.32% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.37% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.65% |
| Net loans and leases to deposits | 90.01% |
| Loans and leases to core deposits | 99.25% |
| Core deposits to total deposits | 91.34% |
| Brokered deposits to total deposits | 2.50% |
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 | 84.62% | 91.11% | $126K | $11.5M |
| Q4 2023 | 77.29% | 91.33% | $0 | $3.0M |
| Q1 2024 | 76.32% | 91.21% | $0 | $3.0M |
| Q2 2024 | 84.34% | 94.69% | $0 | $7.6M |
| Q3 2024 | 85.63% | 94.99% | $0 | $9.9M |
| Q4 2024 | 81.69% | 95.49% | $0 | $1.3M |
| Q1 2025 | 87.98% | 94.50% | $0 | $10.3M |
| Q2 2025 | 85.85% | 94.48% | $0 | $6.8M |
| Q3 2025 | 89.06% | 94.03% | $0 | $11.5M |
| Q4 2025 | 85.72% | 91.90% | $0 | $5.0M |
| Q1 2026 | 88.02% | 91.50% | $0 | $4.2M |
| Q2 2026 | 90.65% | 91.34% | $0 | $7.8M |
Monroe Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Monroe Federal Savings and Loan Association, 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 Monroe Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29578) · FFIEC NIC profile (RSSD 576578)