Northwest 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.67 percentage points higher than in Q1 2026, at 105.07%. Northwest Community Bank ranks 14th of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 97.73% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Northwest Community Bank sits 9.53 points higher, at 97.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $175.5M |
| 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 | $36K |
| Other borrowed money | $100.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.73% |
| Net loans and leases to deposits | 96.84% |
| Loans and leases to core deposits | 105.07% |
| Core deposits to total deposits | 92.99% |
| Brokered deposits to total deposits | 0.02% |
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 | 87.45% | 95.38% | $41K | $32.2M |
| Q4 2023 | 89.91% | 95.14% | $31K | $57.7M |
| Q1 2024 | 87.11% | 94.21% | $450K | $55.0M |
| Q2 2024 | 90.19% | 93.90% | $205K | $55.0M |
| Q3 2024 | 88.76% | 93.85% | $125K | $55.0M |
| Q4 2024 | 90.53% | 94.28% | $15K | $55.0M |
| Q1 2025 | 90.01% | 93.75% | $46K | $55.0M |
| Q2 2025 | 92.35% | 93.37% | $58K | $59.5M |
| Q3 2025 | 93.07% | 93.47% | $57K | $53.1M |
| Q4 2025 | 98.26% | 93.23% | $25K | $107.0M |
| Q1 2026 | 94.47% | 92.11% | $102K | $75.0M |
| Q2 2026 | 97.73% | 92.99% | $36K | $100.0M |
Northwest Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest 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 Northwest Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18229) · FFIEC NIC profile (RSSD 545604)