The 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: 41.5% lower than in Q1 2026, at $12.0M. Within Ohio, The Savings Bank is 60th of 156 on loan-to-deposit ratio, 86.77% as of Q2 2026, above the middle of the field. The Savings Bank reported 86.77% on loan-to-deposit ratio for Q2 2026, 5.93 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 | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $95.3M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 0.76% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $12.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.77% |
| Net loans and leases to deposits | 86.01% |
| Loans and leases to core deposits | 93.10% |
| Core deposits to total deposits | 87.13% |
| Brokered deposits to total deposits | 6.08% |
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 | 71.60% | 82.28% | $0 | $58.0M |
| Q4 2023 | 82.85% | 90.42% | $0 | $64.0M |
| Q1 2024 | 82.99% | 89.36% | $3.0M | $57.2M |
| Q2 2024 | 79.24% | 83.43% | $0 | $34.0M |
| Q3 2024 | 80.51% | 87.28% | $1.0M | $30.5M |
| Q4 2024 | 81.70% | 87.92% | $0 | $29.0M |
| Q1 2025 | 80.82% | 86.07% | $0 | $20.5M |
| Q2 2025 | 83.06% | 87.96% | $0 | $26.0M |
| Q3 2025 | 83.58% | 89.12% | $0 | $23.5M |
| Q4 2025 | 86.42% | 87.98% | $2.3M | $21.5M |
| Q1 2026 | 86.96% | 88.21% | $0 | $20.5M |
| Q2 2026 | 86.77% | 87.13% | $0 | $12.0M |
The Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13216) · FFIEC NIC profile (RSSD 578116)