TrustCo 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.
Fed funds purchased and repos dropped 14.1% in Q2 2026, from $249.8M to $214.6M. It was the largest change from Q1 2026 among the key lines here. Within New York, TrustCo Bank is 28th of 105 on loan-to-deposit ratio, 94.64% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. TrustCo Bank sits 6.44 points higher, at 94.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $696.7M |
| Cash and noninterest-bearing balances to assets | 10.68% |
| Cash and securities | $1.00B |
| 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 | $214.6M |
| 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 | 94.64% |
| Net loans and leases to deposits | 93.69% |
| Loans and leases to core deposits | 107.06% |
| Core deposits to total deposits | 88.40% |
| 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 | 94.83% | 92.65% | $130.7M | $0 |
| Q4 2023 | 93.51% | 91.01% | $117.5M | $0 |
| Q1 2024 | 93.49% | 90.50% | $122.4M | $0 |
| Q2 2024 | 95.49% | 90.64% | $118.6M | $0 |
| Q3 2024 | 96.34% | 90.14% | $122.2M | $0 |
| Q4 2024 | 94.58% | 89.47% | $116.9M | $0 |
| Q1 2025 | 93.08% | 89.74% | $115.8M | $0 |
| Q2 2025 | 93.92% | 89.57% | $111.9M | $0 |
| Q3 2025 | 94.72% | 89.41% | $119.2M | $0 |
| Q4 2025 | 94.51% | 89.04% | $287.3M | $0 |
| Q1 2026 | 93.59% | 88.57% | $249.8M | $0 |
| Q2 2026 | 94.64% | 88.40% | $214.6M | $0 |
TrustCo Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock TrustCo 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 TrustCo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31945) · FFIEC NIC profile (RSSD 677176)