Third Federal Savings & Loan Association of Cleveland: 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 Loans and leases to core deposits: 6.22 percentage points higher than in Q1 2026, at 183.71%. Third Federal Savings & Loan Association of Cleveland has the highest loan-to-deposit ratio of the 156 banks headquartered in Ohio, 159.75% as of Q2 2026. Third Federal Savings & Loan Association of Cleveland's loan-to-deposit ratio of 159.75% is well above the 86.83% median for banks in the $10B-100B asset tier, a gap of 72.91 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $567.0M |
| Cash and noninterest-bearing balances to assets | 3.14% |
| Cash and securities | $1.05B |
| 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 | $150.0M |
| Other borrowed money | $5.81B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 32.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 159.75% |
| Net loans and leases to deposits | 159.03% |
| Loans and leases to core deposits | 183.71% |
| Core deposits to total deposits | 77.93% |
| Brokered deposits to total deposits | 9.03% |
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 | 158.77% | 79.10% | $0 | $5.46B |
| Q4 2023 | 152.05% | 75.52% | $0 | $5.21B |
| Q1 2024 | 151.59% | 76.44% | $0 | $5.12B |
| Q2 2024 | 150.24% | 76.40% | $0 | $4.98B |
| Q3 2024 | 149.30% | 75.79% | $0 | $4.93B |
| Q4 2024 | 148.64% | 76.46% | $0 | $4.82B |
| Q1 2025 | 146.84% | 76.48% | $0 | $4.74B |
| Q2 2025 | 149.62% | 76.80% | $0 | $5.02B |
| Q3 2025 | 149.29% | 77.05% | $0 | $4.99B |
| Q4 2025 | 150.20% | 77.95% | $150.0M | $4.96B |
| Q1 2026 | 153.63% | 78.18% | $0 | $5.30B |
| Q2 2026 | 159.75% | 77.93% | $150.0M | $5.81B |
Third Federal Savings & Loan Association of Cleveland liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Third Federal Savings & Loan Association of Cleveland, 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 Third Federal Savings & Loan Association of Cleveland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30012) · FFIEC NIC profile (RSSD 915878)