Spring 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.
Compared with Q1 2026, Brokered deposits to total deposits fell 0.68 percentage points in Q2 2026 to 21.36%, the biggest move on this page. Spring Bank ranks 59th of 105 New York banks on loan-to-deposit ratio, in the lower half at 83.15% (Q2 2026). Spring Bank reported 83.15% on loan-to-deposit ratio for Q2 2026, 2.60 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $87.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $180.3M |
| 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 | $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 | 83.15% |
| Net loans and leases to deposits | 82.15% |
| Loans and leases to core deposits | 89.82% |
| Core deposits to total deposits | 71.22% |
| Brokered deposits to total deposits | 21.36% |
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 | 75.68% | 75.24% | $0 | $27.6M |
| Q4 2023 | 83.94% | 84.15% | $0 | $27.6M |
| Q1 2024 | 82.55% | 75.47% | $0 | $27.6M |
| Q2 2024 | 79.07% | 70.53% | $0 | $27.6M |
| Q3 2024 | 83.32% | 70.45% | $0 | $27.4M |
| Q4 2024 | 82.24% | 72.42% | $0 | $16.1M |
| Q1 2025 | 82.76% | 72.35% | $0 | $8.5M |
| Q2 2025 | 79.30% | 72.04% | $0 | $5.0M |
| Q3 2025 | 76.83% | 75.52% | $0 | $0 |
| Q4 2025 | 80.28% | 73.70% | $0 | $0 |
| Q1 2026 | 83.63% | 70.90% | $0 | $0 |
| Q2 2026 | 83.15% | 71.22% | $0 | $0 |
Spring Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring 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 Spring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58668) · FFIEC NIC profile (RSSD 3368925)