Brattleboro Savings & Loan Association: 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.
Cash and balances due from depository institutions dropped 32.1% in Q2 2026, from $37.7M to $25.6M. It was the largest change from Q1 2026 among the key lines here. Within Vermont, Brattleboro Savings & Loan Association is 6th of 12 on loan-to-deposit ratio, 85.86% as of Q2 2026, above the middle of the field. Brattleboro Savings & Loan Association reported 85.86% on loan-to-deposit ratio for Q2 2026, 5.02 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.0M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 0.81% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.86% |
| Net loans and leases to deposits | 85.05% |
| Loans and leases to core deposits | 89.19% |
| Core deposits to total deposits | 96.26% |
| 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 | 76.59% | 97.37% | $0 | $185K |
| Q4 2023 | 77.60% | 97.31% | $0 | $149K |
| Q1 2024 | 78.28% | 96.74% | $0 | $0 |
| Q2 2024 | 79.46% | 96.68% | $0 | $590K |
| Q3 2024 | 81.03% | 96.79% | $0 | $590K |
| Q4 2024 | 80.37% | 96.86% | $0 | $590K |
| Q1 2025 | 79.39% | 96.37% | $0 | $646K |
| Q2 2025 | 84.14% | 96.26% | $0 | $646K |
| Q3 2025 | 82.95% | 96.40% | $0 | $1.1M |
| Q4 2025 | 85.36% | 96.14% | $0 | $1.1M |
| Q1 2026 | 83.11% | 96.04% | $0 | $1.1M |
| Q2 2026 | 85.86% | 96.26% | $0 | $1.1M |
Brattleboro Savings & Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Brattleboro Savings & Loan Association, 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 Brattleboro Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28837) · FFIEC NIC profile (RSSD 580874)