United Orient 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 Loans and leases to core deposits: 9.09 percentage points higher than in Q1 2026, at 153.40%. Among 105 New York banks, United Orient Bank sits 5th from the top on loan-to-deposit ratio, 123.04% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, United Orient Bank reported 123.04% on loan-to-deposit ratio in Q2 2026, 42.09 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.4M |
| 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 | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 123.04% |
| Net loans and leases to deposits | 121.48% |
| Loans and leases to core deposits | 153.40% |
| Core deposits to total deposits | 80.21% |
| 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 | 132.16% | 90.87% | $0 | $18.0M |
| Q4 2023 | 133.42% | 90.51% | $0 | $16.0M |
| Q1 2024 | 132.94% | 90.29% | $0 | $16.0M |
| Q2 2024 | 135.78% | 89.29% | $0 | $16.0M |
| Q3 2024 | 129.72% | 89.32% | $0 | $13.0M |
| Q4 2024 | 122.19% | 83.98% | $0 | $13.0M |
| Q1 2025 | 114.92% | 85.40% | $0 | $13.0M |
| Q2 2025 | 113.70% | 83.29% | $0 | $13.0M |
| Q3 2025 | 118.93% | 84.15% | $0 | $13.0M |
| Q4 2025 | 121.24% | 79.81% | $0 | $13.0M |
| Q1 2026 | 116.44% | 80.69% | $0 | $13.0M |
| Q2 2026 | 123.04% | 80.21% | $0 | $13.0M |
United Orient Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Orient 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 United Orient Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23373) · FFIEC NIC profile (RSSD 70218)