Stafford 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 Cash and noninterest-bearing balances to assets: 4.48 percentage points lower than in Q1 2026, at 16.03%. Stafford Savings Bank has the 2nd lowest loan-to-deposit ratio of the 27 banks headquartered in Connecticut, at 32.93% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Stafford Savings Bank reported 32.93% on loan-to-deposit ratio in Q2 2026, 47.91 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $81.3M |
| Cash and noninterest-bearing balances to assets | 16.03% |
| Cash and securities | $433.3M |
| 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 | 32.93% |
| Net loans and leases to deposits | 32.31% |
| Loans and leases to core deposits | 33.88% |
| Core deposits to total deposits | 97.20% |
| 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 | 36.22% | 99.35% | $0 | $0 |
| Q4 2023 | 36.45% | 99.20% | $0 | $0 |
| Q1 2024 | 35.67% | 98.78% | $0 | $0 |
| Q2 2024 | 35.73% | 98.77% | $0 | $0 |
| Q3 2024 | 35.74% | 98.73% | $0 | $0 |
| Q4 2024 | 35.88% | 98.88% | $0 | $0 |
| Q1 2025 | 35.42% | 98.89% | $0 | $0 |
| Q2 2025 | 35.60% | 98.48% | $0 | $0 |
| Q3 2025 | 35.72% | 98.46% | $0 | $0 |
| Q4 2025 | 34.23% | 98.10% | $0 | $0 |
| Q1 2026 | 29.46% | 98.20% | $0 | $0 |
| Q2 2026 | 32.93% | 97.20% | $0 | $0 |
Stafford Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stafford 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 Stafford Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18227) · FFIEC NIC profile (RSSD 113003)