Bankgloucester: 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: 5.03 percentage points lower than in Q1 2026, at 125.85%. Among 89 Massachusetts banks, Bankgloucester sits 5th from the top on loan-to-deposit ratio, 110.10% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bankgloucester sits 29.55 points higher, at 110.10% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.7M |
| 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 | $49.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.10% |
| Net loans and leases to deposits | 108.94% |
| Loans and leases to core deposits | 125.85% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 3.42% |
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 | 97.37% | 80.27% | $0 | $15.0M |
| Q4 2023 | 99.16% | 80.34% | $0 | $17.0M |
| Q1 2024 | 102.23% | 81.00% | $0 | $21.0M |
| Q2 2024 | 100.96% | 81.46% | $0 | $24.0M |
| Q3 2024 | 105.14% | 83.72% | $0 | $30.0M |
| Q4 2024 | 106.13% | 85.54% | $0 | $42.0M |
| Q1 2025 | 109.03% | 85.59% | $0 | $41.0M |
| Q2 2025 | 108.22% | 86.50% | $0 | $46.0M |
| Q3 2025 | 106.91% | 86.73% | $0 | $50.0M |
| Q4 2025 | 108.37% | 88.25% | $0 | $43.0M |
| Q1 2026 | 114.12% | 87.19% | $0 | $56.0M |
| Q2 2026 | 110.10% | 87.49% | $0 | $49.0M |
Bankgloucester liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankgloucester, 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 Bankgloucester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26536) · FFIEC NIC profile (RSSD 331375)