Bay State Savings 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.
Other borrowed money climbed 113.9% in Q2 2026, from $4.1M to $8.8M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Bay State Savings Bank is 41st of 89 on loan-to-deposit ratio, 95.33% as of Q2 2026, above the middle of the field. Bay State Savings Bank reported 95.33% on loan-to-deposit ratio for Q2 2026, 14.38 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.3M |
| Fed funds sold and reverse repos | $6.2M |
| Fed funds sold and reverse repos to assets | 1.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.33% |
| Net loans and leases to deposits | 94.49% |
| Loans and leases to core deposits | 111.36% |
| Core deposits to total deposits | 85.60% |
| 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 | 93.65% | 83.10% | $0 | $4.8M |
| Q4 2023 | 95.14% | 82.72% | $0 | $4.2M |
| Q1 2024 | 90.74% | 80.09% | $0 | $4.2M |
| Q2 2024 | 88.45% | 80.31% | $0 | $4.2M |
| Q3 2024 | 89.03% | 85.86% | $0 | $16.8M |
| Q4 2024 | 86.19% | 85.99% | $0 | $3.9M |
| Q1 2025 | 88.44% | 84.90% | $0 | $3.9M |
| Q2 2025 | 89.92% | 84.11% | $0 | $3.9M |
| Q3 2025 | 87.93% | 84.54% | $0 | $3.9M |
| Q4 2025 | 92.04% | 84.98% | $0 | $4.1M |
| Q1 2026 | 90.07% | 85.65% | $0 | $4.1M |
| Q2 2026 | 95.33% | 85.60% | $0 | $8.8M |
Bay State Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay State Savings 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 Bay State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90311) · FFIEC NIC profile (RSSD 963002)