Norway 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 Loans and leases to core deposits: 7.17 percentage points higher than in Q1 2026, at 107.88%. Within Maine, Norway Savings Bank is 11th of 22 on loan-to-deposit ratio, 103.80% as of Q2 2026, above the middle of the field. Norway Savings Bank reported 103.80% on loan-to-deposit ratio for Q2 2026, 15.60 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $423.8M |
| 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 | $20.0M |
| Other borrowed money | $266.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.80% |
| Net loans and leases to deposits | 103.07% |
| Loans and leases to core deposits | 107.88% |
| Core deposits to total deposits | 87.89% |
| Brokered deposits to total deposits | 8.33% |
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 | 83.92% | 90.68% | $0 | $106.1M |
| Q4 2023 | 87.64% | 87.40% | $0 | $142.7M |
| Q1 2024 | 87.40% | 86.43% | $0 | $130.7M |
| Q2 2024 | 90.51% | 86.66% | $0 | $172.9M |
| Q3 2024 | 89.62% | 85.69% | $0 | $165.8M |
| Q4 2024 | 93.54% | 85.52% | $0 | $211.2M |
| Q1 2025 | 91.24% | 84.94% | $0 | $184.4M |
| Q2 2025 | 92.51% | 84.53% | $0 | $203.3M |
| Q3 2025 | 93.23% | 84.66% | $0 | $198.3M |
| Q4 2025 | 96.97% | 86.26% | $0 | $205.0M |
| Q1 2026 | 96.67% | 85.98% | $0 | $180.7M |
| Q2 2026 | 103.80% | 87.89% | $20.0M | $266.2M |
Norway Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Norway 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 Norway Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17658) · FFIEC NIC profile (RSSD 289702)