Charles River 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 dropped 2.20 percentage points in Q2 2026, from 76.51% to 74.31%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Charles River Bank is 9th from the bottom among 89 Massachusetts banks, 74.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Charles River Bank sits 6.24 points lower, at 74.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $85.4M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.31% |
| Net loans and leases to deposits | 73.82% |
| Loans and leases to core deposits | 90.09% |
| Core deposits to total deposits | 82.49% |
| 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 | 71.98% | 87.05% | $0 | $0 |
| Q4 2023 | 75.07% | 89.61% | $0 | $0 |
| Q1 2024 | 78.11% | 89.87% | $0 | $0 |
| Q2 2024 | 76.05% | 87.76% | $0 | $0 |
| Q3 2024 | 75.13% | 88.31% | $0 | $0 |
| Q4 2024 | 75.16% | 86.00% | $0 | $0 |
| Q1 2025 | 78.49% | 85.49% | $0 | $0 |
| Q2 2025 | 78.56% | 84.86% | $0 | $0 |
| Q3 2025 | 78.01% | 85.14% | $0 | $0 |
| Q4 2025 | 78.03% | 84.34% | $0 | $0 |
| Q1 2026 | 76.51% | 83.48% | $0 | $0 |
| Q2 2026 | 74.31% | 82.49% | $0 | $0 |
Charles River Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles River 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 Charles River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26602) · FFIEC NIC profile (RSSD 947776)