Windsor Federal 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 Cash and balances due from depository institutions: 28.6% lower than in Q1 2026, at $15.6M. Within Connecticut, Windsor Federal Bank is 13th of 27 on loan-to-deposit ratio, 97.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Windsor Federal Bank sits 17.00 points higher, at 97.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.6M |
| Cash and noninterest-bearing balances to assets | 1.75% |
| Cash and securities | $135.2M |
| 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 | $3.5M |
| Other borrowed money | $72.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.84% |
| Net loans and leases to deposits | 96.98% |
| Loans and leases to core deposits | 107.71% |
| Core deposits to total deposits | 90.15% |
| Brokered deposits to total deposits | 0.68% |
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 | 84.42% | 93.90% | $12.9M | $30.0M |
| Q4 2023 | 85.69% | 93.61% | $12.4M | $25.0M |
| Q1 2024 | 86.27% | 92.87% | $11.7M | $30.0M |
| Q2 2024 | 86.84% | 90.67% | $7.7M | $41.0M |
| Q3 2024 | 89.54% | 90.09% | $11.4M | $41.0M |
| Q4 2024 | 89.27% | 90.75% | $10.0M | $41.0M |
| Q1 2025 | 87.68% | 90.61% | $3.1M | $41.0M |
| Q2 2025 | 90.79% | 90.82% | $3.4M | $41.0M |
| Q3 2025 | 93.61% | 89.80% | $5.2M | $51.9M |
| Q4 2025 | 97.71% | 89.93% | $4.6M | $73.0M |
| Q1 2026 | 95.75% | 90.07% | $3.1M | $60.0M |
| Q2 2026 | 97.84% | 90.15% | $3.5M | $72.0M |
Windsor Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Windsor Federal 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 Windsor Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29632) · FFIEC NIC profile (RSSD 92676)