Rosedale 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 Loans and leases to core deposits, which rose 0.46 percentage points to 97.33%. Rosedale Bank ranks 14th of 27 Maryland banks on loan-to-deposit ratio, in the lower half at 87.96% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Rosedale Bank reported 87.96% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $139.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $321.6M |
| 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 | 87.96% |
| Net loans and leases to deposits | 87.23% |
| Loans and leases to core deposits | 97.33% |
| Core deposits to total deposits | 90.38% |
| 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 | 98.22% | 92.38% | $0 | $40.0M |
| Q4 2023 | 96.96% | 92.03% | $0 | $82.0M |
| Q1 2024 | 92.00% | 91.34% | $0 | $82.0M |
| Q2 2024 | 91.12% | 91.40% | $0 | $72.0M |
| Q3 2024 | 88.82% | 90.91% | $0 | $30.0M |
| Q4 2024 | 88.50% | 90.54% | $0 | $0 |
| Q1 2025 | 90.71% | 91.03% | $0 | $0 |
| Q2 2025 | 91.70% | 90.68% | $0 | $0 |
| Q3 2025 | 88.64% | 90.86% | $0 | $0 |
| Q4 2025 | 90.40% | 90.72% | $0 | $0 |
| Q1 2026 | 87.63% | 90.47% | $0 | $0 |
| Q2 2026 | 87.96% | 90.38% | $0 | $0 |
Rosedale Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rosedale 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 Rosedale Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29613) · FFIEC NIC profile (RSSD 86675)