Bank of Easton: 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: 2.18 percentage points higher than in Q1 2026, at 67.50%. On loan-to-deposit ratio, Bank of Easton is 4th from the bottom among 89 Massachusetts banks, 55.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Easton sits 25.32 points lower, at 55.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.0M |
| 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 | $1.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.52% |
| Net loans and leases to deposits | 55.22% |
| Loans and leases to core deposits | 67.50% |
| Core deposits to total deposits | 82.26% |
| 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 | 59.18% | 86.90% | $0 | $1.4M |
| Q4 2023 | 64.09% | 87.13% | $0 | $1.9M |
| Q1 2024 | 60.87% | 81.85% | $0 | $1.4M |
| Q2 2024 | 63.62% | 80.69% | $0 | $1.4M |
| Q3 2024 | 61.34% | 79.55% | $0 | $2.0M |
| Q4 2024 | 60.55% | 79.91% | $0 | $1.9M |
| Q1 2025 | 60.44% | 79.42% | $0 | $1.9M |
| Q2 2025 | 55.15% | 78.87% | $0 | $1.8M |
| Q3 2025 | 54.87% | 81.30% | $0 | $1.8M |
| Q4 2025 | 55.26% | 81.67% | $0 | $1.8M |
| Q1 2026 | 53.82% | 82.40% | $0 | $1.7M |
| Q2 2026 | 55.52% | 82.26% | $0 | $1.7M |
Bank of Easton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Easton, 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 Bank of Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26554) · FFIEC NIC profile (RSSD 956376)