Coastal Heritage 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 2.70 percentage points in Q2 2026, from 98.26% to 95.56%. It was the largest change from Q1 2026 among the key lines here. Coastal Heritage Bank ranks 39th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 95.56% (Q2 2026). Coastal Heritage Bank reported 95.56% on loan-to-deposit ratio for Q2 2026, 14.62 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $86.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $189.8M |
| 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 | $78.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.56% |
| Net loans and leases to deposits | 94.55% |
| Loans and leases to core deposits | 105.80% |
| Core deposits to total deposits | 87.79% |
| Brokered deposits to total deposits | 2.53% |
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 | 104.00% | 88.52% | $0 | $101.5M |
| Q4 2023 | 106.60% | 87.95% | $0 | $115.8M |
| Q1 2024 | 104.39% | 87.60% | $0 | $104.2M |
| Q2 2024 | 104.45% | 87.45% | $0 | $110.9M |
| Q3 2024 | 100.12% | 88.32% | $0 | $85.8M |
| Q4 2024 | 100.97% | 88.07% | $0 | $83.5M |
| Q1 2025 | 98.08% | 87.92% | $0 | $72.4M |
| Q2 2025 | 100.29% | 87.26% | $0 | $69.9M |
| Q3 2025 | 101.08% | 87.42% | $0 | $69.8M |
| Q4 2025 | 102.46% | 87.63% | $0 | $75.7M |
| Q1 2026 | 98.26% | 88.02% | $0 | $89.6M |
| Q2 2026 | 95.56% | 87.79% | $0 | $78.2M |
Coastal Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Heritage 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 Coastal Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26591) · FFIEC NIC profile (RSSD 115575)