Tioga State Bank, N.A.: 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 dropped 67.9% in Q2 2026, from $53.2M to $17.1M. It was the largest change from Q1 2026 among the key lines here. Tioga State Bank, N.A. ranks 75th of 105 New York banks on loan-to-deposit ratio, in the lower half at 73.09% (Q2 2026). Tioga State Bank, N.A. reported 73.09% on loan-to-deposit ratio for Q2 2026, 7.74 points below 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 | $17.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $197.1M |
| 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 | $14.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.09% |
| Net loans and leases to deposits | 71.90% |
| Loans and leases to core deposits | 75.71% |
| Core deposits to total deposits | 95.62% |
| Brokered deposits to total deposits | 0.93% |
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 | 75.32% | 97.21% | $0 | $13.7M |
| Q4 2023 | 81.10% | 96.85% | $0 | $39.5M |
| Q1 2024 | 74.57% | 94.00% | $0 | $12.2M |
| Q2 2024 | 74.02% | 93.92% | $0 | $13.8M |
| Q3 2024 | 75.29% | 94.06% | $0 | $13.8M |
| Q4 2024 | 80.49% | 97.17% | $0 | $26.4M |
| Q1 2025 | 73.46% | 96.69% | $0 | $3.3M |
| Q2 2025 | 73.92% | 96.33% | $0 | $3.3M |
| Q3 2025 | 74.22% | 96.87% | $0 | $4.5M |
| Q4 2025 | 73.01% | 95.47% | $0 | $14.5M |
| Q1 2026 | 68.90% | 95.26% | $0 | $14.5M |
| Q2 2026 | 73.09% | 95.62% | $0 | $14.5M |
Tioga State Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tioga State Bank, N.A., 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 Tioga State Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9410) · FFIEC NIC profile (RSSD 910118)