Beacon Bank & Trust: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Beacon Bank & Trust reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $770.4M in Q3 2026, down 37.1% from $1.23B in Q3 2025. That is 3.5% of its total assets. Across the 12 quarters shown it ranged from $87.4M (Q4 2023) to $2.05B (Q4 2025).
Trading liabilities climbed 57.2% in Q3 2026, from $112.9M to $177.4M. It was the largest change from Q2 2026 among the key lines here. Within Massachusetts, Beacon Bank & Trust is 43rd of 89 on loan-to-deposit ratio, 95.70% as of Q3 2026. The median for banks in the $10B-100B asset tier is 85.97% on loan-to-deposit ratio. Beacon Bank & Trust sits 9.73 points higher, at 95.70% (Q3 2026).
Liquid assets
Largest change in this table: cash and balances due from depository institutions, down 36.6% to $770.4M in Q3 2026 after $1.21B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $770.4M |
| Cash and noninterest-bearing balances to assets | 3.53% |
| Cash and securities | $2.73B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $474.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.17% |
| Trading liabilities | $177.4M |
Funding structure
Largest change in this table: core deposits to total deposits, down 0.90 points to 90.47% in Q3 2026 after 91.37% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 95.70% |
| Net loans and leases to deposits | 94.44% |
| Loans and leases to core deposits | 103.45% |
| Core deposits to total deposits | 90.47% |
| Brokered deposits to total deposits | 2.03% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 124.29% | 81.94% | $26.6M | $937.5M |
| Q1 2024 | 121.63% | 80.27% | $70.3M | $905.2M |
| Q2 2024 | 122.60% | 81.09% | $58.0M | $969.3M |
| Q3 2024 | 121.85% | 81.17% | $118.0M | $896.7M |
| Q4 2024 | 118.18% | 80.35% | $53.0M | $896.5M |
| Q1 2025 | 114.79% | 81.62% | $123.0M | $644.5M |
| Q2 2025 | 116.74% | 81.80% | $243.0M | $568.2M |
| Q3 2025 | 95.99% | 88.01% | $0 | $882.2M |
| Q4 2025 | 91.47% | 90.79% | $0 | $589.8M |
| Q1 2026 | 97.22% | 91.71% | $0 | $873.5M |
| Q2 2026 | 95.57% | 91.37% | $0 | $686.3M |
| Q3 2026 | 95.70% | 90.47% | $0 | $474.0M |
Beacon Bank & Trust liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Beacon Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 17798) · FFIEC NIC profile (RSSD 782306)