Union County 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.
Core deposits to total deposits dropped 1.18 percentage points in Q2 2026, from 68.55% to 67.37%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Union County Savings Bank is 4th from the bottom among 49 New Jersey banks, 22.86% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, Union County Savings Bank reported 22.86% on loan-to-deposit ratio in Q2 2026, 65.34 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.5M |
| Cash and noninterest-bearing balances to assets | 8.02% |
| Cash and securities | $1.15B |
| 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 | $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 | 22.86% |
| Net loans and leases to deposits | 22.71% |
| Loans and leases to core deposits | 29.91% |
| Core deposits to total deposits | 67.37% |
| Brokered deposits to total deposits | 9.07% |
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 | 13.29% | 71.74% | $0 | $0 |
| Q4 2023 | 15.20% | 70.94% | $0 | $0 |
| Q1 2024 | 16.77% | 69.65% | $0 | $0 |
| Q2 2024 | 16.98% | 69.52% | $0 | $0 |
| Q3 2024 | 16.95% | 69.32% | $150.0M | $0 |
| Q4 2024 | 18.07% | 68.84% | $150.0M | $0 |
| Q1 2025 | 19.71% | 68.97% | $150.0M | $0 |
| Q2 2025 | 20.60% | 68.53% | $150.0M | $0 |
| Q3 2025 | 21.41% | 68.16% | $150.0M | $0 |
| Q4 2025 | 20.70% | 67.96% | $150.0M | $0 |
| Q1 2026 | 22.39% | 68.55% | $155.0M | $0 |
| Q2 2026 | 22.86% | 67.37% | $150.0M | $0 |
Union County Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union County 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 Union County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12013) · FFIEC NIC profile (RSSD 373601)