Bluestone 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.
Loans and leases to core deposits dropped 2.34 percentage points in Q2 2026, from 105.47% to 103.13%. It was the largest change from Q1 2026 among the key lines here. Bluestone Bank ranks 56th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 90.56% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Bluestone Bank reported 90.56% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $99.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $369.7M |
| 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 | $162.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.56% |
| Net loans and leases to deposits | 90.00% |
| Loans and leases to core deposits | 103.13% |
| Core deposits to total deposits | 87.82% |
| 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 | 89.24% | 91.24% | $0 | $146.1M |
| Q4 2023 | 92.69% | 90.29% | $0 | $195.3M |
| Q1 2024 | 91.56% | 89.07% | $0 | $195.3M |
| Q2 2024 | 92.49% | 88.04% | $0 | $179.2M |
| Q3 2024 | 86.20% | 81.99% | $0 | $104.2M |
| Q4 2024 | 90.28% | 85.27% | $0 | $179.2M |
| Q1 2025 | 90.33% | 85.84% | $0 | $179.2M |
| Q2 2025 | 95.23% | 87.44% | $0 | $199.2M |
| Q3 2025 | 96.93% | 87.90% | $0 | $199.2M |
| Q4 2025 | 96.41% | 88.06% | $0 | $182.2M |
| Q1 2026 | 92.41% | 87.62% | $0 | $182.2M |
| Q2 2026 | 90.56% | 87.82% | $0 | $162.2M |
Bluestone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bluestone 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 Bluestone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90169) · FFIEC NIC profile (RSSD 699105)