Savannah Bank, N.A.: 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 Fed funds purchased and repos: 15.9% lower than in Q1 2026, at $2.6M. Savannah Bank, N.A. ranks 92nd of 105 New York banks on loan-to-deposit ratio, in the lower half at 53.55% (Q2 2026). Savannah Bank, N.A. reported 53.55% on loan-to-deposit ratio for Q2 2026, 27.29 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 | $18.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.1M |
| Fed funds sold and reverse repos | $249K |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.6M |
| 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 | 53.55% |
| Net loans and leases to deposits | 52.83% |
| Loans and leases to core deposits | 59.70% |
| Core deposits to total deposits | 76.90% |
| Brokered deposits to total deposits | 12.79% |
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 | 55.13% | 78.44% | $3.3M | $0 |
| Q4 2023 | 56.51% | 78.18% | $2.8M | $0 |
| Q1 2024 | 57.29% | 77.90% | $2.2M | $0 |
| Q2 2024 | 58.75% | 76.46% | $3.1M | $0 |
| Q3 2024 | 56.02% | 73.64% | $4.0M | $0 |
| Q4 2024 | 54.72% | 73.68% | $2.4M | $0 |
| Q1 2025 | 55.11% | 78.51% | $3.2M | $0 |
| Q2 2025 | 54.44% | 75.46% | $3.0M | $0 |
| Q3 2025 | 55.06% | 74.79% | $3.5M | $0 |
| Q4 2025 | 54.35% | 75.50% | $3.5M | $0 |
| Q1 2026 | 53.28% | 76.20% | $3.1M | $0 |
| Q2 2026 | 53.55% | 76.90% | $2.6M | $0 |
Savannah Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Savannah Bank, N.A., 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 Savannah Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14619) · FFIEC NIC profile (RSSD 647414)