The North Country 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 Cash and balances due from depository institutions: 20.3% higher than in Q1 2026, at $20.0M. The North Country Savings Bank ranks 11th of 105 New York banks on loan-to-deposit ratio, in the upper half at 106.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The North Country Savings Bank sits 25.64 points higher, at 106.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.8M |
| Fed funds sold and reverse repos | $100K |
| 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 | $20.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.48% |
| Net loans and leases to deposits | 106.01% |
| Loans and leases to core deposits | 110.72% |
| Core deposits to total deposits | 96.17% |
| 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 | 104.30% | 98.27% | $0 | $21.8M |
| Q4 2023 | 106.32% | 97.75% | $0 | $25.7M |
| Q1 2024 | 104.83% | 98.07% | $0 | $23.6M |
| Q2 2024 | 107.45% | 97.74% | $0 | $22.2M |
| Q3 2024 | 111.86% | 96.34% | $0 | $31.2M |
| Q4 2024 | 111.65% | 96.17% | $0 | $30.2M |
| Q1 2025 | 107.37% | 96.08% | $0 | $19.7M |
| Q2 2025 | 104.64% | 96.16% | $0 | $14.7M |
| Q3 2025 | 108.32% | 96.18% | $0 | $20.6M |
| Q4 2025 | 107.23% | 95.75% | $0 | $23.1M |
| Q1 2026 | 106.85% | 95.62% | $0 | $18.6M |
| Q2 2026 | 106.48% | 96.17% | $0 | $20.2M |
The North Country Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Country 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 The North Country Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16030) · FFIEC NIC profile (RSSD 166111)