National Bank of Middlebury: 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 2.37 percentage points in Q2 2026, from 71.39% to 73.76%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, National Bank of Middlebury is 1st from the bottom among 12 Vermont banks, 69.86% (Q2 2026). National Bank of Middlebury reported 69.86% on loan-to-deposit ratio for Q2 2026, 10.98 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | 2.53% |
| Cash and securities | $165.0M |
| 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 | $2.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.86% |
| Net loans and leases to deposits | 69.60% |
| Loans and leases to core deposits | 73.76% |
| Core deposits to total deposits | 94.72% |
| 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 | 69.67% | 97.98% | $0 | $45.2M |
| Q4 2023 | 69.22% | 98.07% | $0 | $36.7M |
| Q1 2024 | 70.92% | 97.63% | $0 | $41.7M |
| Q2 2024 | 72.76% | 96.94% | $0 | $41.8M |
| Q3 2024 | 73.21% | 97.96% | $0 | $41.8M |
| Q4 2024 | 70.90% | 95.37% | $0 | $16.3M |
| Q1 2025 | 69.32% | 94.86% | $0 | $1.8M |
| Q2 2025 | 69.02% | 94.80% | $0 | $1.7M |
| Q3 2025 | 69.49% | 94.89% | $0 | $1.7M |
| Q4 2025 | 69.54% | 95.22% | $0 | $1.7M |
| Q1 2026 | 69.10% | 96.80% | $0 | $2.3M |
| Q2 2026 | 69.86% | 94.72% | $0 | $2.3M |
National Bank of Middlebury liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Middlebury, 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 National Bank of Middlebury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6275) · FFIEC NIC profile (RSSD 173306)