New Haven 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 Cash and balances due from depository institutions: 20.3% lower than in Q1 2026, at $11.4M. Among 27 Connecticut banks, New Haven Bank sits 2nd from the top on loan-to-deposit ratio, 108.83% as of Q2 2026. New Haven Bank reported 108.83% on loan-to-deposit ratio for Q2 2026, 27.99 points above 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 | $11.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.9M |
| Fed funds sold and reverse repos | $62K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.83% |
| Net loans and leases to deposits | 107.61% |
| Loans and leases to core deposits | 127.36% |
| Core deposits to total deposits | 85.45% |
| 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 | 113.25% | 78.41% | $0 | $23.0M |
| Q4 2023 | 116.00% | 76.41% | $0 | $24.0M |
| Q1 2024 | 114.10% | 75.90% | $0 | $24.0M |
| Q2 2024 | 119.55% | 75.56% | $0 | $28.4M |
| Q3 2024 | 121.02% | 76.81% | $0 | $34.0M |
| Q4 2024 | 117.04% | 80.80% | $0 | $34.0M |
| Q1 2025 | 115.38% | 82.91% | $0 | $33.0M |
| Q2 2025 | 112.65% | 81.46% | $0 | $26.0M |
| Q3 2025 | 114.32% | 85.13% | $0 | $28.0M |
| Q4 2025 | 109.86% | 82.12% | $0 | $27.0M |
| Q1 2026 | 109.95% | 85.11% | $0 | $25.0M |
| Q2 2026 | 108.83% | 85.45% | $0 | $24.5M |
New Haven Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Haven 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 New Haven Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58952) · FFIEC NIC profile (RSSD 3843392)