Sugar River 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 Core deposits to total deposits: 0.97 percentage points higher than in Q1 2026, at 91.87%. Sugar River Bank ranks 13th of 16 New Hampshire banks on loan-to-deposit ratio, in the lower half at 80.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Sugar River Bank reported 80.55% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.8M |
| Fed funds sold and reverse repos | $72K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.55% |
| Net loans and leases to deposits | 80.05% |
| Loans and leases to core deposits | 87.68% |
| Core deposits to total deposits | 91.87% |
| 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 | 83.70% | 95.39% | $0 | $28.0M |
| Q4 2023 | 84.55% | 94.80% | $0 | $33.0M |
| Q1 2024 | 82.09% | 93.96% | $0 | $26.0M |
| Q2 2024 | 83.18% | 93.05% | $0 | $23.0M |
| Q3 2024 | 81.17% | 93.96% | $0 | $21.0M |
| Q4 2024 | 81.81% | 93.90% | $0 | $13.0M |
| Q1 2025 | 81.23% | 93.35% | $0 | $11.0M |
| Q2 2025 | 81.13% | 92.04% | $0 | $11.0M |
| Q3 2025 | 81.27% | 91.52% | $0 | $8.0M |
| Q4 2025 | 81.52% | 91.60% | $0 | $8.0M |
| Q1 2026 | 79.87% | 90.90% | $0 | $5.0M |
| Q2 2026 | 80.55% | 91.87% | $0 | $5.0M |
Sugar River Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sugar River 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 Sugar River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18028) · FFIEC NIC profile (RSSD 92706)