Adams Community 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.
Fed funds sold and reverse repos dropped 37.7% in Q2 2026, from $1.7M to $1.1M. It was the largest change from Q1 2026 among the key lines here. Adams Community Bank ranks 28th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 100.69% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Adams Community Bank sits 12.49 points higher, at 100.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $128.3M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $68.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.69% |
| Net loans and leases to deposits | 100.04% |
| Loans and leases to core deposits | 113.68% |
| Core deposits to total deposits | 84.61% |
| Brokered deposits to total deposits | 3.96% |
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 | 100.63% | 83.79% | $0 | $87.2M |
| Q4 2023 | 106.48% | 84.19% | $0 | $115.5M |
| Q1 2024 | 103.10% | 79.91% | $0 | $99.8M |
| Q2 2024 | 105.25% | 81.01% | $0 | $111.8M |
| Q3 2024 | 107.29% | 79.92% | $0 | $119.8M |
| Q4 2024 | 105.72% | 77.06% | $0 | $112.3M |
| Q1 2025 | 109.06% | 78.15% | $0 | $139.8M |
| Q2 2025 | 108.19% | 78.54% | $0 | $127.4M |
| Q3 2025 | 105.05% | 75.76% | $0 | $97.3M |
| Q4 2025 | 101.87% | 79.54% | $0 | $85.5M |
| Q1 2026 | 101.33% | 84.30% | $0 | $83.0M |
| Q2 2026 | 100.69% | 84.61% | $0 | $68.0M |
Adams Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Community 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 Adams Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90140) · FFIEC NIC profile (RSSD 343903)