Northeast Community 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.
Other borrowed money climbed 654.6% in Q2 2026, from $26.0M to $196.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Northeast Community Bank ranks 4th highest among the 105 banks headquartered in New York, at 124.24% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Northeast Community Bank sits 36.04 points higher, at 124.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $71.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.0M |
| Fed funds sold and reverse repos | $736K |
| 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 | $196.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 124.24% |
| Net loans and leases to deposits | 123.94% |
| Loans and leases to core deposits | 139.29% |
| Core deposits to total deposits | 73.61% |
| Brokered deposits to total deposits | 15.63% |
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 | 108.93% | 65.92% | $0 | $72.7M |
| Q4 2023 | 111.98% | 65.61% | $0 | $71.9M |
| Q1 2024 | 108.25% | 62.14% | $0 | $54.9M |
| Q2 2024 | 107.95% | 61.14% | $0 | $54.9M |
| Q3 2024 | 106.92% | 61.57% | $0 | $14.9M |
| Q4 2024 | 107.26% | 62.93% | $0 | $7.1M |
| Q1 2025 | 108.04% | 66.54% | $0 | $7.1M |
| Q2 2025 | 120.14% | 70.32% | $0 | $142.1M |
| Q3 2025 | 122.47% | 68.93% | $0 | $177.1M |
| Q4 2025 | 114.43% | 66.61% | $0 | $76.0M |
| Q1 2026 | 111.55% | 69.51% | $0 | $26.0M |
| Q2 2026 | 124.24% | 73.61% | $0 | $196.0M |
Northeast Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Community 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 Northeast Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29147) · FFIEC NIC profile (RSSD 823478)