Monroe 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 0.80 percentage points higher than in Q1 2026, at 109.88%. Monroe Savings Bank ranks 18th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 99.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Monroe Savings Bank sits 19.02 points higher, at 99.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.3M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.86% |
| Net loans and leases to deposits | 98.85% |
| Loans and leases to core deposits | 109.88% |
| Core deposits to total deposits | 90.89% |
| 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 | 118.85% | 92.25% | $0 | $13.5M |
| Q4 2023 | 121.26% | 91.12% | $0 | $13.5M |
| Q1 2024 | 115.16% | 90.65% | $0 | $13.9M |
| Q2 2024 | 109.88% | 91.48% | $0 | $13.7M |
| Q3 2024 | 109.62% | 90.68% | $0 | $15.5M |
| Q4 2024 | 111.02% | 90.80% | $0 | $10.0M |
| Q1 2025 | 108.05% | 92.12% | $0 | $10.0M |
| Q2 2025 | 107.39% | 91.59% | $0 | $10.0M |
| Q3 2025 | 106.05% | 91.40% | $0 | $10.0M |
| Q4 2025 | 99.72% | 89.65% | $0 | $10.0M |
| Q1 2026 | 99.23% | 90.98% | $0 | $10.0M |
| Q2 2026 | 99.86% | 90.89% | $0 | $10.0M |
Monroe Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Monroe 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 Monroe Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30103) · FFIEC NIC profile (RSSD 927077)