Canton Co-Operative 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 2.55 percentage points in Q2 2026, from 82.43% to 84.98%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Canton Co-Operative Bank is 68th of 89 on loan-to-deposit ratio, 84.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Canton Co-Operative Bank sits 4.43 points higher, at 84.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.7M |
| 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 | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.98% |
| Net loans and leases to deposits | 84.43% |
| Loans and leases to core deposits | 97.43% |
| Core deposits to total deposits | 76.13% |
| Brokered deposits to total deposits | 11.09% |
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 | 70.20% | 76.75% | $0 | $3.0M |
| Q4 2023 | 73.14% | 74.93% | $0 | $5.5M |
| Q1 2024 | 70.71% | 74.03% | $0 | $5.5M |
| Q2 2024 | 72.66% | 72.25% | $0 | $5.5M |
| Q3 2024 | 71.50% | 72.31% | $0 | $5.5M |
| Q4 2024 | 71.29% | 72.70% | $0 | $5.5M |
| Q1 2025 | 73.51% | 73.30% | $0 | $5.5M |
| Q2 2025 | 74.31% | 74.71% | $0 | $5.5M |
| Q3 2025 | 77.66% | 75.10% | $0 | $5.5M |
| Q4 2025 | 78.69% | 74.64% | $0 | $5.5M |
| Q1 2026 | 82.43% | 75.08% | $0 | $5.5M |
| Q2 2026 | 84.98% | 76.13% | $0 | $5.5M |
Canton Co-Operative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Canton Co-Operative 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 Canton Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26450) · FFIEC NIC profile (RSSD 379470)