Rondout 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 Other borrowed money: 25.0% lower than in Q1 2026, at $15.0M. Within New York, Rondout Savings Bank is 37th of 105 on loan-to-deposit ratio, 91.60% as of Q2 2026, above the middle of the field. Rondout Savings Bank reported 91.60% on loan-to-deposit ratio for Q2 2026, 10.76 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 | $34.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $81.7M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.60% |
| Net loans and leases to deposits | 90.70% |
| Loans and leases to core deposits | 113.90% |
| Core deposits to total deposits | 80.42% |
| Brokered deposits to total deposits | 6.12% |
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 | 92.52% | 75.61% | $0 | $40.0M |
| Q4 2023 | 95.60% | 76.84% | $0 | $52.0M |
| Q1 2024 | 97.23% | 77.77% | $0 | $52.0M |
| Q2 2024 | 101.48% | 80.82% | $0 | $62.0M |
| Q3 2024 | 100.19% | 82.48% | $0 | $59.5M |
| Q4 2024 | 98.90% | 82.10% | $0 | $48.0M |
| Q1 2025 | 93.08% | 79.70% | $0 | $29.5M |
| Q2 2025 | 89.26% | 79.52% | $0 | $16.0M |
| Q3 2025 | 90.76% | 81.24% | $0 | $16.0M |
| Q4 2025 | 91.86% | 81.75% | $0 | $16.0M |
| Q1 2026 | 93.13% | 81.21% | $0 | $20.0M |
| Q2 2026 | 91.60% | 80.42% | $0 | $15.0M |
Rondout Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rondout 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 Rondout Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15969) · FFIEC NIC profile (RSSD 425108)