Ulster 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 26.3% in Q2 2026, from $90.6M to $114.4M. It was the largest change from Q1 2026 among the key lines here. Within New York, Ulster Savings Bank is 55th of 105 on loan-to-deposit ratio, 84.49% as of Q2 2026, below the middle of the field. Ulster Savings Bank reported 84.49% on loan-to-deposit ratio for Q2 2026, 3.71 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $114.4M |
| Cash and noninterest-bearing balances to assets | 8.22% |
| Cash and securities | $266.6M |
| 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 | $12.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.49% |
| Net loans and leases to deposits | 83.57% |
| Loans and leases to core deposits | 93.08% |
| Core deposits to total deposits | 90.78% |
| 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 | 93.80% | 93.38% | $0 | $113.7M |
| Q4 2023 | 93.40% | 92.18% | $0 | $103.5M |
| Q1 2024 | 92.94% | 91.75% | $0 | $88.5M |
| Q2 2024 | 90.49% | 92.16% | $0 | $86.0M |
| Q3 2024 | 88.24% | 90.83% | $0 | $56.0M |
| Q4 2024 | 85.61% | 90.36% | $0 | $26.0M |
| Q1 2025 | 84.55% | 90.42% | $0 | $26.0M |
| Q2 2025 | 83.18% | 90.81% | $0 | $26.0M |
| Q3 2025 | 83.55% | 90.74% | $0 | $28.0M |
| Q4 2025 | 86.39% | 91.46% | $0 | $22.0M |
| Q1 2026 | 85.74% | 91.43% | $0 | $12.0M |
| Q2 2026 | 84.49% | 90.78% | $0 | $12.0M |
Ulster Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ulster 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 Ulster Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15970) · FFIEC NIC profile (RSSD 301800)