Bank of New England: 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: 1.81 percentage points higher than in Q1 2026, at 111.84%. On loan-to-deposit ratio, Bank of New England ranks 3rd highest among the 16 banks headquartered in New Hampshire, at 104.64% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of New England sits 16.44 points higher, at 104.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $172.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $205.0M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.64% |
| Net loans and leases to deposits | 103.67% |
| Loans and leases to core deposits | 111.84% |
| Core deposits to total deposits | 63.70% |
| Brokered deposits to total deposits | 29.86% |
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 | 107.04% | 54.72% | $0 | $8.2M |
| Q4 2023 | 108.89% | 57.03% | $0 | $7.0M |
| Q1 2024 | 105.53% | 55.15% | $0 | $0 |
| Q2 2024 | 109.97% | 65.79% | $0 | $0 |
| Q3 2024 | 108.45% | 65.81% | $0 | $0 |
| Q4 2024 | 111.77% | 65.32% | $0 | $180K |
| Q1 2025 | 105.40% | 65.18% | $0 | $1.4M |
| Q2 2025 | 107.61% | 65.40% | $0 | $2.7M |
| Q3 2025 | 106.64% | 64.68% | $0 | $4.0M |
| Q4 2025 | 107.16% | 64.37% | $0 | $5.0M |
| Q1 2026 | 103.00% | 64.47% | $0 | $0 |
| Q2 2026 | 104.64% | 63.70% | $0 | $0 |
Bank of New England liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New England, 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 New England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24540) · FFIEC NIC profile (RSSD 113601)