Northfield 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: 117.5% higher than in Q1 2026, at $35.4M. Within Vermont, Northfield Savings Bank is 5th of 12 on loan-to-deposit ratio, 86.80% as of Q2 2026, above the middle of the field. At 86.80%, Northfield Savings Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $336.9M |
| 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 | $41.7M |
| Other borrowed money | $28.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.80% |
| Net loans and leases to deposits | 86.04% |
| Loans and leases to core deposits | 91.97% |
| Core deposits to total deposits | 94.37% |
| 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 | 89.78% | 96.28% | $77.0M | $88.1M |
| Q4 2023 | 87.32% | 95.79% | $77.4M | $88.1M |
| Q1 2024 | 86.33% | 95.61% | $59.6M | $73.0M |
| Q2 2024 | 89.80% | 94.96% | $55.7M | $98.1M |
| Q3 2024 | 88.21% | 95.12% | $60.8M | $73.0M |
| Q4 2024 | 89.18% | 95.16% | $52.9M | $118.9M |
| Q1 2025 | 85.62% | 94.57% | $54.1M | $62.6M |
| Q2 2025 | 86.28% | 94.17% | $55.6M | $62.9M |
| Q3 2025 | 85.04% | 94.12% | $48.4M | $27.9M |
| Q4 2025 | 84.17% | 93.95% | $47.6M | $28.8M |
| Q1 2026 | 86.25% | 94.10% | $40.3M | $37.8M |
| Q2 2026 | 86.80% | 94.37% | $41.7M | $28.9M |
Northfield Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northfield 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 Northfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14140) · FFIEC NIC profile (RSSD 520003)