Cape Ann 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 Cash and balances due from depository institutions: 23.6% lower than in Q1 2026, at $53.1M. Within Massachusetts, Cape Ann Savings Bank is 51st of 89 on loan-to-deposit ratio, 91.42% as of Q2 2026, below the middle of the field. Cape Ann Savings Bank reported 91.42% on loan-to-deposit ratio for Q2 2026, 3.22 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 | $53.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $294.8M |
| 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 | $19.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.42% |
| Net loans and leases to deposits | 90.65% |
| Loans and leases to core deposits | 110.07% |
| Core deposits to total deposits | 83.06% |
| 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 | 91.45% | 80.94% | $0 | $5.3M |
| Q4 2023 | 91.39% | 80.37% | $0 | $17.8M |
| Q1 2024 | 90.35% | 79.16% | $0 | $15.8M |
| Q2 2024 | 91.80% | 79.17% | $0 | $16.8M |
| Q3 2024 | 89.88% | 79.24% | $0 | $20.8M |
| Q4 2024 | 91.57% | 80.55% | $0 | $18.3M |
| Q1 2025 | 96.67% | 83.68% | $0 | $34.8M |
| Q2 2025 | 95.14% | 82.97% | $0 | $29.3M |
| Q3 2025 | 92.90% | 82.92% | $0 | $24.3M |
| Q4 2025 | 92.79% | 83.35% | $0 | $19.3M |
| Q1 2026 | 91.23% | 83.45% | $0 | $19.3M |
| Q2 2026 | 91.42% | 83.06% | $0 | $19.3M |
Cape Ann Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape Ann 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 Cape Ann Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90203) · FFIEC NIC profile (RSSD 627108)