The Upstate National 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.
Brokered deposits to total deposits climbed 2.48 percentage points in Q2 2026, from 4.30% to 6.77%. It was the largest change from Q1 2026 among the key lines here. Among 105 New York banks, The Upstate National Bank sits 10th from the top on loan-to-deposit ratio, 111.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Upstate National Bank sits 30.52 points higher, at 111.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.2M |
| 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 | $56.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 19.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.36% |
| Net loans and leases to deposits | 110.27% |
| Loans and leases to core deposits | 114.41% |
| Core deposits to total deposits | 91.09% |
| Brokered deposits to total deposits | 6.77% |
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 | 127.21% | 62.57% | $0 | $73.2M |
| Q4 2023 | 126.19% | 62.23% | $0 | $93.4M |
| Q1 2024 | 119.03% | 77.36% | $0 | $72.0M |
| Q2 2024 | 126.24% | 77.71% | $0 | $72.0M |
| Q3 2024 | 119.53% | 80.06% | $0 | $70.0M |
| Q4 2024 | 128.91% | 79.71% | $0 | $65.0M |
| Q1 2025 | 126.69% | 85.23% | $0 | $65.0M |
| Q2 2025 | 123.97% | 86.41% | $0 | $60.0M |
| Q3 2025 | 119.17% | 87.23% | $0 | $63.0M |
| Q4 2025 | 117.23% | 89.66% | $0 | $56.0M |
| Q1 2026 | 113.63% | 93.47% | $0 | $56.0M |
| Q2 2026 | 111.36% | 91.09% | $0 | $56.0M |
The Upstate National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Upstate National 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 The Upstate National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13748) · FFIEC NIC profile (RSSD 313009)