Sawyer 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.
Cash and balances due from depository institutions climbed 24.6% in Q2 2026, from $15.3M to $19.1M. It was the largest change from Q1 2026 among the key lines here. Sawyer Savings Bank ranks 24th of 105 New York banks on loan-to-deposit ratio, in the upper half at 95.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sawyer Savings Bank sits 14.81 points higher, at 95.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.5M |
| 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 | $18.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.64% |
| Net loans and leases to deposits | 94.62% |
| Loans and leases to core deposits | 107.43% |
| Core deposits to total deposits | 75.53% |
| Brokered deposits to total deposits | 13.65% |
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 | 97.79% | 76.00% | $0 | $21.7M |
| Q4 2023 | 96.09% | 73.95% | $0 | $18.0M |
| Q1 2024 | 96.55% | 72.81% | $0 | $18.0M |
| Q2 2024 | 96.81% | 72.48% | $0 | $18.0M |
| Q3 2024 | 98.15% | 71.80% | $0 | $19.1M |
| Q4 2024 | 97.28% | 71.83% | $0 | $18.0M |
| Q1 2025 | 97.63% | 71.85% | $0 | $18.0M |
| Q2 2025 | 96.26% | 71.80% | $0 | $18.0M |
| Q3 2025 | 97.04% | 72.45% | $0 | $18.0M |
| Q4 2025 | 93.49% | 73.97% | $0 | $18.0M |
| Q1 2026 | 96.85% | 74.67% | $0 | $18.0M |
| Q2 2026 | 95.64% | 75.53% | $0 | $18.0M |
Sawyer Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sawyer 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 Sawyer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16039) · FFIEC NIC profile (RSSD 605610)