Cambridge 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.
Loan-to-deposit ratio climbed 4.94 percentage points in Q2 2026, from 103.86% to 108.80%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Cambridge Savings Bank is 10th of 89 on loan-to-deposit ratio, 108.80% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Cambridge Savings Bank sits 20.60 points higher, at 108.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $105.2M |
| Cash and noninterest-bearing balances to assets | 1.51% |
| Cash and securities | $853.9M |
| 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 | $816.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.80% |
| Net loans and leases to deposits | 107.71% |
| Loans and leases to core deposits | 115.90% |
| Core deposits to total deposits | 89.44% |
| Brokered deposits to total deposits | 4.44% |
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 | 108.88% | 80.90% | $22.3M | $950.4M |
| Q4 2023 | 105.68% | 81.18% | $16.7M | $725.1M |
| Q1 2024 | 105.01% | 84.53% | $8.6M | $710.4M |
| Q2 2024 | 105.14% | 85.99% | $10.3M | $736.4M |
| Q3 2024 | 104.46% | 88.24% | $0 | $660.6M |
| Q4 2024 | 105.58% | 90.72% | $0 | $671.2M |
| Q1 2025 | 103.86% | 88.63% | $0 | $601.0M |
| Q2 2025 | 106.61% | 88.67% | $0 | $742.7M |
| Q3 2025 | 106.06% | 87.54% | $0 | $679.7M |
| Q4 2025 | 102.55% | 88.44% | $0 | $545.7M |
| Q1 2026 | 103.86% | 88.30% | $0 | $585.2M |
| Q2 2026 | 108.80% | 89.44% | $0 | $816.5M |
Cambridge Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cambridge 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 Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17870) · FFIEC NIC profile (RSSD 758703)