The National Iron 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 dropped 39.7% in Q2 2026, from $16.4M to $9.9M. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, The National Iron Bank is 18th of 27 on loan-to-deposit ratio, 90.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The National Iron Bank sits 9.22 points higher, at 90.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.1M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.06% |
| Net loans and leases to deposits | 89.62% |
| Loans and leases to core deposits | 94.96% |
| Core deposits to total deposits | 94.84% |
| 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 | 97.63% | 95.36% | $0 | $23.3M |
| Q4 2023 | 99.08% | 94.08% | $0 | $26.0M |
| Q1 2024 | 96.07% | 94.50% | $0 | $16.1M |
| Q2 2024 | 101.30% | 95.04% | $0 | $29.5M |
| Q3 2024 | 92.93% | 94.13% | $0 | $6.2M |
| Q4 2024 | 92.83% | 94.20% | $0 | $5.8M |
| Q1 2025 | 88.73% | 94.57% | $0 | $0 |
| Q2 2025 | 91.82% | 94.40% | $0 | $0 |
| Q3 2025 | 87.48% | 94.57% | $0 | $0 |
| Q4 2025 | 90.00% | 94.56% | $0 | $19.8M |
| Q1 2026 | 87.58% | 94.58% | $0 | $0 |
| Q2 2026 | 90.06% | 94.84% | $0 | $0 |
The National Iron Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Iron 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 National Iron Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2496) · FFIEC NIC profile (RSSD 1008209)