Roxboro Savings Bank, SSB: 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.
Loans and leases to core deposits climbed 3.88 percentage points in Q2 2026, from 89.00% to 92.89%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Roxboro Savings Bank, SSB is 31st of 38 on loan-to-deposit ratio, 72.76% as of Q2 2026, below the middle of the field. Roxboro Savings Bank, SSB reported 72.76% on loan-to-deposit ratio for Q2 2026, 8.08 points below 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 | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.8M |
| 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 | $5.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.76% |
| Net loans and leases to deposits | 71.86% |
| Loans and leases to core deposits | 92.89% |
| Core deposits to total deposits | 78.33% |
| 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 | 59.19% | 87.49% | $0 | $7.7M |
| Q4 2023 | 62.00% | 86.66% | $0 | $9.4M |
| Q1 2024 | 63.05% | 85.03% | $0 | $11.1M |
| Q2 2024 | 62.85% | 84.78% | $0 | $9.9M |
| Q3 2024 | 64.99% | 84.07% | $0 | $9.2M |
| Q4 2024 | 66.64% | 82.76% | $0 | $10.1M |
| Q1 2025 | 66.81% | 82.44% | $0 | $7.6M |
| Q2 2025 | 67.27% | 81.32% | $0 | $6.4M |
| Q3 2025 | 68.46% | 80.78% | $0 | $8.2M |
| Q4 2025 | 71.15% | 79.88% | $0 | $7.9M |
| Q1 2026 | 70.31% | 78.99% | $0 | $7.8M |
| Q2 2026 | 72.76% | 78.33% | $0 | $5.9M |
Roxboro Savings Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Roxboro Savings Bank, SSB, 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 Roxboro Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28471) · FFIEC NIC profile (RSSD 472979)