Ponce Bank, N.A.: 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 Brokered deposits to total deposits: 3.77 percentage points higher than in Q1 2026, at 6.33%. Among 105 New York banks, Ponce Bank, N.A. sits 3rd from the top on loan-to-deposit ratio, 127.26% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ponce Bank, N.A. sits 39.05 points higher, at 127.26% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $140.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $478.9M |
| 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 | $0 |
| Other borrowed money | $632.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 127.26% |
| Net loans and leases to deposits | 126.05% |
| Loans and leases to core deposits | 138.72% |
| Core deposits to total deposits | 85.41% |
| Brokered deposits to total deposits | 6.33% |
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 | 128.01% | 88.44% | $0 | $689.5M |
| Q4 2023 | 126.09% | 82.53% | $0 | $697.7M |
| Q1 2024 | 124.96% | 82.89% | $0 | $693.7M |
| Q2 2024 | 128.01% | 82.66% | $0 | $693.7M |
| Q3 2024 | 116.60% | 84.09% | $0 | $593.7M |
| Q4 2024 | 121.51% | 84.79% | $0 | $608.3M |
| Q1 2025 | 118.30% | 85.38% | $0 | $533.3M |
| Q2 2025 | 120.45% | 86.49% | $0 | $548.3M |
| Q3 2025 | 121.40% | 88.92% | $0 | $533.3M |
| Q4 2025 | 127.47% | 87.21% | $0 | $607.2M |
| Q1 2026 | 126.95% | 88.25% | $0 | $582.2M |
| Q2 2026 | 127.26% | 85.41% | $0 | $632.2M |
Ponce Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ponce Bank, N.A., 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 Ponce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31189) · FFIEC NIC profile (RSSD 897170)