The Bank of Canton: 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: 32.9% lower than in Q1 2026, at $58.7M. The Bank of Canton ranks 75th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 81.36% (Q2 2026). At 81.36%, The Bank of Canton's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $210.7M |
| 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 | $0 |
| Other borrowed money | $548K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.36% |
| Net loans and leases to deposits | 80.34% |
| Loans and leases to core deposits | 86.51% |
| Core deposits to total deposits | 94.04% |
| 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 | 79.96% | 96.79% | $0 | $373K |
| Q4 2023 | 82.44% | 96.27% | $0 | $320K |
| Q1 2024 | 83.03% | 95.81% | $0 | $320K |
| Q2 2024 | 83.24% | 96.40% | $0 | $320K |
| Q3 2024 | 84.24% | 95.82% | $0 | $320K |
| Q4 2024 | 85.29% | 95.41% | $0 | $320K |
| Q1 2025 | 83.43% | 95.45% | $0 | $320K |
| Q2 2025 | 82.35% | 94.95% | $0 | $548K |
| Q3 2025 | 80.39% | 94.76% | $0 | $548K |
| Q4 2025 | 84.68% | 94.20% | $0 | $548K |
| Q1 2026 | 80.02% | 94.53% | $0 | $548K |
| Q2 2026 | 81.36% | 94.04% | $0 | $548K |
The Bank of Canton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Canton, 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 Bank of Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90175) · FFIEC NIC profile (RSSD 853804)