Solvay 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.
Other borrowed money climbed 192.1% in Q2 2026, from $7.5M to $22.0M. It was the largest change from Q1 2026 among the key lines here. Solvay Bank ranks 77th of 105 New York banks on loan-to-deposit ratio, in the lower half at 70.62% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Solvay Bank sits 17.59 points lower, at 70.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $391.3M |
| Fed funds sold and reverse repos | $133K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $22.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.62% |
| Net loans and leases to deposits | 69.88% |
| Loans and leases to core deposits | 86.01% |
| Core deposits to total deposits | 81.33% |
| Brokered deposits to total deposits | 0.77% |
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 | 67.63% | 85.59% | $0 | $75.4M |
| Q4 2023 | 72.14% | 84.53% | $0 | $80.7M |
| Q1 2024 | 68.14% | 84.62% | $0 | $86.6M |
| Q2 2024 | 68.31% | 79.80% | $0 | $42.7M |
| Q3 2024 | 62.80% | 82.28% | $0 | $42.7M |
| Q4 2024 | 67.86% | 82.69% | $0 | $44.7M |
| Q1 2025 | 69.75% | 81.61% | $0 | $33.6M |
| Q2 2025 | 69.82% | 79.02% | $0 | $27.8M |
| Q3 2025 | 64.92% | 83.95% | $0 | $25.6M |
| Q4 2025 | 69.80% | 82.30% | $0 | $15.5M |
| Q1 2026 | 67.43% | 83.04% | $0 | $7.5M |
| Q2 2026 | 70.62% | 81.33% | $0 | $22.0M |
Solvay Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Solvay 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 Solvay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13297) · FFIEC NIC profile (RSSD 722816)