Profile 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: 2.16 percentage points higher than in Q1 2026, at 82.67%. On loan-to-deposit ratio, Profile Bank is 2nd from the bottom among 16 New Hampshire banks, 70.98% (Q2 2026). Profile Bank reported 70.98% on loan-to-deposit ratio for Q2 2026, 9.57 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.9M |
| 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 | $6.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.98% |
| Net loans and leases to deposits | 70.72% |
| Loans and leases to core deposits | 82.67% |
| Core deposits to total deposits | 85.86% |
| 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 | 61.93% | 87.29% | $0 | $5.0M |
| Q4 2023 | 63.68% | 88.42% | $0 | $9.4M |
| Q1 2024 | 66.95% | 87.73% | $0 | $19.4M |
| Q2 2024 | 66.71% | 89.74% | $0 | $13.9M |
| Q3 2024 | 66.79% | 87.81% | $0 | $9.7M |
| Q4 2024 | 67.99% | 88.18% | $0 | $9.9M |
| Q1 2025 | 65.20% | 85.94% | $0 | $411K |
| Q2 2025 | 62.80% | 87.19% | $0 | $411K |
| Q3 2025 | 64.04% | 86.30% | $0 | $411K |
| Q4 2025 | 71.78% | 88.83% | $0 | $8.9M |
| Q1 2026 | 69.03% | 85.74% | $0 | $411K |
| Q2 2026 | 70.98% | 85.86% | $0 | $6.4M |
Profile Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Profile 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 Profile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28155) · FFIEC NIC profile (RSSD 672573)