Bristol County 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.
The standout move of Q2 2026 was in Other borrowed money: 1509.6% higher than in Q1 2026, at $107.8M. Bristol County Savings Bank ranks 19th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 103.54% (Q2 2026). Bristol County Savings Bank reported 103.54% on loan-to-deposit ratio for Q2 2026, 15.34 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $101.3M |
| Cash and noninterest-bearing balances to assets | 3.11% |
| Cash and securities | $411.7M |
| 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 | $107.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.54% |
| Net loans and leases to deposits | 102.58% |
| Loans and leases to core deposits | 116.03% |
| Core deposits to total deposits | 89.24% |
| 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 | 93.88% | 88.86% | $0 | $186.1M |
| Q4 2023 | 95.16% | 87.40% | $0 | $197.3M |
| Q1 2024 | 91.78% | 86.64% | $0 | $66.9M |
| Q2 2024 | 92.56% | 87.30% | $0 | $62.9M |
| Q3 2024 | 95.09% | 88.41% | $0 | $64.0M |
| Q4 2024 | 96.64% | 88.20% | $0 | $8.3M |
| Q1 2025 | 95.01% | 88.90% | $0 | $11.3M |
| Q2 2025 | 100.14% | 88.85% | $0 | $11.3M |
| Q3 2025 | 99.07% | 89.06% | $0 | $14.1M |
| Q4 2025 | 104.06% | 88.38% | $0 | $64.1M |
| Q1 2026 | 100.44% | 88.71% | $0 | $6.7M |
| Q2 2026 | 103.54% | 89.24% | $0 | $107.8M |
Bristol County Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bristol County 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 Bristol County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23622) · FFIEC NIC profile (RSSD 13103)