Quontic 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 Loan-to-deposit ratio: 12.08 percentage points higher than in Q1 2026, at 88.54%. Quontic Bank ranks 45th of 105 New York banks on loan-to-deposit ratio, in the upper half at 88.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Quontic Bank sits 7.70 points higher, at 88.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $144.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $149.0M |
| Fed funds sold and reverse repos | $27K |
| 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 | 88.54% |
| Net loans and leases to deposits | 88.36% |
| Loans and leases to core deposits | 93.79% |
| Core deposits to total deposits | 94.40% |
| 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 | 90.21% | 87.36% | $0 | $11.4M |
| Q4 2023 | 85.02% | 85.35% | $0 | $10.1M |
| Q1 2024 | 69.04% | 83.66% | $0 | $6.7M |
| Q2 2024 | 95.36% | 85.67% | $0 | $20.0M |
| Q3 2024 | 86.14% | 86.02% | $0 | $3.0M |
| Q4 2024 | 84.69% | 86.27% | $0 | $2.2M |
| Q1 2025 | 83.85% | 90.86% | $0 | $0 |
| Q2 2025 | 87.39% | 92.33% | $0 | $0 |
| Q3 2025 | 96.19% | 92.90% | $0 | $15.0M |
| Q4 2025 | 79.09% | 93.40% | $0 | $0 |
| Q1 2026 | 76.46% | 93.52% | $0 | $0 |
| Q2 2026 | 88.54% | 94.40% | $0 | $0 |
Quontic Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Quontic 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 Quontic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57807) · FFIEC NIC profile (RSSD 3340725)