SSB Community 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: 42.9% higher than in Q1 2026, at $10.0M. Within Ohio, SSB Community Bank is 20th of 156 on loan-to-deposit ratio, 99.62% as of Q2 2026, above the middle of the field. SSB Community Bank reported 99.62% on loan-to-deposit ratio for Q2 2026, 18.78 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 | $25.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.4M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.37% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.62% |
| Net loans and leases to deposits | 98.73% |
| Loans and leases to core deposits | 115.49% |
| Core deposits to total deposits | 86.26% |
| Brokered deposits to total deposits | 0.00% |
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 | 93.92% | 88.21% | $0 | $0 |
| Q4 2023 | 101.13% | 88.55% | $0 | $14.0M |
| Q1 2024 | 96.75% | 86.72% | $0 | $5.0M |
| Q2 2024 | 92.67% | 84.20% | $0 | $0 |
| Q3 2024 | 89.77% | 83.88% | $0 | $0 |
| Q4 2024 | 92.98% | 84.94% | $0 | $0 |
| Q1 2025 | 96.43% | 84.80% | $0 | $6.0M |
| Q2 2025 | 97.51% | 85.67% | $0 | $7.0M |
| Q3 2025 | 97.82% | 86.47% | $0 | $9.0M |
| Q4 2025 | 96.07% | 86.43% | $0 | $0 |
| Q1 2026 | 97.91% | 86.20% | $0 | $7.0M |
| Q2 2026 | 99.62% | 86.26% | $0 | $10.0M |
SSB Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SSB Community 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 SSB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29858) · FFIEC NIC profile (RSSD 995674)