Sturdy 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.
Cash and balances due from depository institutions climbed 116.0% in Q2 2026, from $24.8M to $53.6M. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, Sturdy Savings Bank is 40th of 49 on loan-to-deposit ratio, 63.34% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Sturdy Savings Bank sits 24.86 points lower, at 63.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $53.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $418.9M |
| 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 | $365K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.34% |
| Net loans and leases to deposits | 63.03% |
| Loans and leases to core deposits | 66.77% |
| Core deposits to total deposits | 94.87% |
| 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 | 53.70% | 95.96% | $0 | $95.4M |
| Q4 2023 | 56.86% | 95.43% | $0 | $105.4M |
| Q1 2024 | 58.53% | 94.92% | $0 | $65.4M |
| Q2 2024 | 61.09% | 94.87% | $0 | $66.7M |
| Q3 2024 | 57.18% | 95.22% | $0 | $30.4M |
| Q4 2024 | 60.91% | 94.06% | $0 | $24.9M |
| Q1 2025 | 63.86% | 92.95% | $0 | $43.0M |
| Q2 2025 | 63.95% | 93.88% | $0 | $34.7M |
| Q3 2025 | 58.66% | 94.80% | $0 | $365K |
| Q4 2025 | 61.84% | 94.76% | $0 | $365K |
| Q1 2026 | 64.89% | 94.80% | $0 | $365K |
| Q2 2026 | 63.34% | 94.87% | $0 | $365K |
Sturdy Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturdy 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 Sturdy Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28788) · FFIEC NIC profile (RSSD 391977)