Cape & Coast 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: 11.6% higher than in Q1 2026, at $36.5M. Cape & Coast Bank ranks 17th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 104.26% (Q2 2026). Cape & Coast Bank reported 104.26% on loan-to-deposit ratio for Q2 2026, 16.06 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 | $36.5M |
| Cash and noninterest-bearing balances to assets | 2.17% |
| Cash and securities | $146.2M |
| Fed funds sold and reverse repos | $48K |
| 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 | $103.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.15% |
| Trading liabilities | $4.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.26% |
| Net loans and leases to deposits | 103.56% |
| Loans and leases to core deposits | 121.80% |
| Core deposits to total deposits | 81.04% |
| Brokered deposits to total deposits | 4.55% |
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 | 100.33% | 82.96% | $0 | $52.1M |
| Q4 2023 | 106.15% | 82.41% | $0 | $122.1M |
| Q1 2024 | 104.85% | 79.70% | $0 | $112.2M |
| Q2 2024 | 103.75% | 80.60% | $0 | $92.2M |
| Q3 2024 | 105.81% | 80.14% | $0 | $124.2M |
| Q4 2024 | 102.25% | 79.37% | $0 | $92.2M |
| Q1 2025 | 102.44% | 79.25% | $0 | $87.7M |
| Q2 2025 | 104.38% | 82.04% | $0 | $102.9M |
| Q3 2025 | 102.16% | 81.69% | $0 | $97.9M |
| Q4 2025 | 109.00% | 82.39% | $0 | $161.0M |
| Q1 2026 | 104.65% | 80.39% | $0 | $103.4M |
| Q2 2026 | 104.26% | 81.04% | $0 | $103.0M |
Cape & Coast Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape & Coast 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 & Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26517) · FFIEC NIC profile (RSSD 119779)