Union 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.
The standout move of Q2 2026 was in Other borrowed money: 86.4% higher than in Q1 2026, at $53.9M. Union Savings Bank ranks 17th of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 93.58% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Union Savings Bank sits 5.38 points higher, at 93.58% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $187.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $697.7M |
| 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 | $312.6M |
| Other borrowed money | $53.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.58% |
| Net loans and leases to deposits | 92.62% |
| Loans and leases to core deposits | 99.73% |
| Core deposits to total deposits | 90.90% |
| Brokered deposits to total deposits | 2.94% |
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 | 87.20% | 97.41% | $296.4M | $303.7M |
| Q4 2023 | 88.25% | 95.11% | $242.5M | $247.3M |
| Q1 2024 | 87.83% | 94.46% | $249.7M | $209.2M |
| Q2 2024 | 87.99% | 93.78% | $205.6M | $234.2M |
| Q3 2024 | 90.52% | 94.89% | $310.4M | $158.2M |
| Q4 2024 | 91.47% | 92.64% | $276.6M | $133.9M |
| Q1 2025 | 91.54% | 92.24% | $351.1M | $63.9M |
| Q2 2025 | 92.62% | 91.96% | $294.5M | $114.9M |
| Q3 2025 | 96.99% | 94.24% | $343.0M | $177.3M |
| Q4 2025 | 93.40% | 91.12% | $312.2M | $129.4M |
| Q1 2026 | 92.11% | 90.95% | $377.7M | $28.9M |
| Q2 2026 | 93.58% | 90.90% | $312.6M | $53.9M |
Union 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18190) · FFIEC NIC profile (RSSD 443205)