Schuyler 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 Loans and leases to core deposits: 3.97 percentage points higher than in Q1 2026, at 144.96%. Schuyler Savings Bank ranks 5th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 108.46% (Q2 2026). Schuyler Savings Bank reported 108.46% on loan-to-deposit ratio for Q2 2026, 27.62 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 | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $17.6M |
| 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 | $9.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.46% |
| Net loans and leases to deposits | 107.58% |
| Loans and leases to core deposits | 144.96% |
| Core deposits to total deposits | 65.48% |
| Brokered deposits to total deposits | 9.34% |
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 | 109.61% | 82.38% | $0 | $7.0M |
| Q4 2023 | 110.20% | 81.44% | $0 | $7.0M |
| Q1 2024 | 111.79% | 79.68% | $0 | $7.0M |
| Q2 2024 | 111.19% | 77.34% | $0 | $7.0M |
| Q3 2024 | 106.49% | 78.10% | $0 | $7.0M |
| Q4 2024 | 106.01% | 67.67% | $0 | $7.0M |
| Q1 2025 | 105.97% | 67.68% | $0 | $7.0M |
| Q2 2025 | 105.53% | 70.79% | $0 | $7.0M |
| Q3 2025 | 103.16% | 70.70% | $0 | $7.0M |
| Q4 2025 | 110.05% | 62.02% | $0 | $9.0M |
| Q1 2026 | 105.21% | 64.32% | $0 | $9.0M |
| Q2 2026 | 108.46% | 65.48% | $0 | $9.0M |
Schuyler Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Schuyler 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 Schuyler Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30072) · FFIEC NIC profile (RSSD 657178)