Ridgewood 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 Cash and balances due from depository institutions: 21.3% lower than in Q1 2026, at $344.8M. Ridgewood Savings Bank ranks 63rd of 105 New York banks on loan-to-deposit ratio, in the lower half at 81.12% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ridgewood Savings Bank sits 7.09 points lower, at 81.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $344.8M |
| Cash and noninterest-bearing balances to assets | 4.57% |
| Cash and securities | $2.10B |
| Fed funds sold and reverse repos | $150.5M |
| Fed funds sold and reverse repos to assets | 1.99% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $478.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.12% |
| Net loans and leases to deposits | 80.53% |
| Loans and leases to core deposits | 92.17% |
| Core deposits to total deposits | 88.01% |
| 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 | 81.39% | 88.78% | $0 | $514.0M |
| Q4 2023 | 81.72% | 88.60% | $0 | $546.8M |
| Q1 2024 | 82.45% | 88.58% | $0 | $521.6M |
| Q2 2024 | 83.29% | 88.05% | $0 | $534.6M |
| Q3 2024 | 82.91% | 87.82% | $0 | $572.3M |
| Q4 2024 | 82.93% | 88.12% | $0 | $557.6M |
| Q1 2025 | 82.51% | 88.08% | $0 | $551.6M |
| Q2 2025 | 83.59% | 88.29% | $0 | $537.6M |
| Q3 2025 | 83.15% | 88.14% | $0 | $519.6M |
| Q4 2025 | 82.42% | 88.20% | $0 | $512.6M |
| Q1 2026 | 80.94% | 88.26% | $0 | $496.7M |
| Q2 2026 | 81.12% | 88.01% | $0 | $478.7M |
Ridgewood Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ridgewood 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 Ridgewood Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16026) · FFIEC NIC profile (RSSD 859712)