Saco & Biddeford Savings Institution: 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 Loans and leases to core deposits: 3.27 percentage points higher than in Q1 2026, at 131.51%. Among 22 Maine banks, Saco & Biddeford Savings Institution sits 3rd from the top on loan-to-deposit ratio, 119.23% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Saco & Biddeford Savings Institution sits 31.02 points higher, at 119.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $213.0M |
| Fed funds sold and reverse repos | $3.8M |
| Fed funds sold and reverse repos to assets | 0.26% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $317.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 21.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.23% |
| Net loans and leases to deposits | 118.73% |
| Loans and leases to core deposits | 131.51% |
| Core deposits to total deposits | 73.27% |
| Brokered deposits to total deposits | 17.39% |
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 | 109.51% | 76.21% | $0 | $248.9M |
| Q4 2023 | 113.30% | 73.09% | $0 | $278.7M |
| Q1 2024 | 112.35% | 70.49% | $0 | $278.0M |
| Q2 2024 | 114.14% | 70.80% | $0 | $286.7M |
| Q3 2024 | 113.16% | 68.66% | $0 | $277.0M |
| Q4 2024 | 112.37% | 66.44% | $0 | $261.5M |
| Q1 2025 | 112.12% | 67.55% | $0 | $268.2M |
| Q2 2025 | 113.35% | 68.59% | $0 | $279.1M |
| Q3 2025 | 111.04% | 67.16% | $0 | $243.6M |
| Q4 2025 | 113.92% | 69.16% | $0 | $267.8M |
| Q1 2026 | 116.61% | 70.55% | $0 | $295.1M |
| Q2 2026 | 119.23% | 73.27% | $0 | $317.5M |
Saco & Biddeford Savings Institution liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Saco & Biddeford Savings Institution, 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 Saco & Biddeford Savings Institution profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17743) · FFIEC NIC profile (RSSD 339607)