Cape Cod Five Cents 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: 157.2% higher than in Q1 2026, at $215.6M. Cape Cod Five Cents Savings Bank ranks 37th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 95.72% (Q2 2026). Cape Cod Five Cents Savings Bank reported 95.72% on loan-to-deposit ratio for Q2 2026, 7.52 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 | $215.6M |
| Cash and noninterest-bearing balances to assets | 3.84% |
| Cash and securities | $896.2M |
| 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 | $427.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.72% |
| Net loans and leases to deposits | 95.26% |
| Loans and leases to core deposits | 103.40% |
| Core deposits to total deposits | 92.57% |
| 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 | 104.82% | 90.09% | $90.0M | $404.5M |
| Q4 2023 | 106.49% | 87.24% | $90.0M | $464.2M |
| Q1 2024 | 109.17% | 86.96% | $180.0M | $519.2M |
| Q2 2024 | 107.82% | 88.00% | $152.0M | $611.1M |
| Q3 2024 | 103.28% | 86.98% | $0 | $519.1M |
| Q4 2024 | 107.29% | 88.75% | $103.0M | $584.0M |
| Q1 2025 | 104.44% | 89.27% | $160.0M | $428.9M |
| Q2 2025 | 102.31% | 89.82% | $85.0M | $450.0M |
| Q3 2025 | 98.16% | 90.13% | $0 | $429.0M |
| Q4 2025 | 101.26% | 91.21% | $40.0M | $458.9M |
| Q1 2026 | 100.55% | 91.56% | $8.0M | $428.9M |
| Q2 2026 | 95.72% | 92.57% | $0 | $427.7M |
Cape Cod Five Cents 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 Cod Five Cents 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 Cod Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23287) · FFIEC NIC profile (RSSD 664206)