Primary 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 largest change between Q1 2026 and Q2 2026 was in Cash and noninterest-bearing balances to assets, which fell 0.57 percentage points to 10.41%. Within New Hampshire, Primary Bank is 4th of 16 on loan-to-deposit ratio, 104.22% as of Q2 2026, above the middle of the field. Primary Bank reported 104.22% on loan-to-deposit ratio for Q2 2026, 23.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $80.1M |
| Cash and noninterest-bearing balances to assets | 10.41% |
| Cash and securities | $95.1M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.22% |
| Net loans and leases to deposits | 103.19% |
| Loans and leases to core deposits | 108.54% |
| Core deposits to total deposits | 86.37% |
| Brokered deposits to total deposits | 9.65% |
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 | 95.38% | 88.77% | $0 | $0 |
| Q4 2023 | 97.97% | 86.06% | $0 | $0 |
| Q1 2024 | 98.46% | 86.44% | $0 | $6.0M |
| Q2 2024 | 98.76% | 87.05% | $0 | $6.0M |
| Q3 2024 | 97.45% | 85.54% | $0 | $0 |
| Q4 2024 | 99.24% | 86.49% | $0 | $0 |
| Q1 2025 | 102.46% | 87.31% | $0 | $0 |
| Q2 2025 | 101.00% | 88.10% | $0 | $0 |
| Q3 2025 | 103.63% | 87.46% | $0 | $0 |
| Q4 2025 | 105.42% | 85.48% | $0 | $0 |
| Q1 2026 | 103.72% | 86.28% | $0 | $0 |
| Q2 2026 | 104.22% | 86.37% | $0 | $0 |
Primary Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Primary 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 Primary Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59086) · FFIEC NIC profile (RSSD 4845861)