The Cooperative 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.
Loans and leases to core deposits climbed 3.71 percentage points in Q2 2026, from 111.08% to 114.79%. It was the largest change from Q1 2026 among the key lines here. The Cooperative Bank ranks 26th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 101.22% (Q2 2026). The Cooperative Bank reported 101.22% on loan-to-deposit ratio for Q2 2026, 20.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.1M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.26% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $39.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.22% |
| Net loans and leases to deposits | 100.40% |
| Loans and leases to core deposits | 114.79% |
| Core deposits to total deposits | 88.18% |
| 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 | 113.29% | 83.39% | $0 | $86.5M |
| Q4 2023 | 107.74% | 84.07% | $0 | $72.0M |
| Q1 2024 | 104.61% | 84.97% | $0 | $59.5M |
| Q2 2024 | 106.55% | 85.53% | $0 | $66.3M |
| Q3 2024 | 105.54% | 85.04% | $0 | $65.4M |
| Q4 2024 | 102.81% | 85.21% | $0 | $47.0M |
| Q1 2025 | 102.32% | 85.96% | $0 | $44.0M |
| Q2 2025 | 101.17% | 86.79% | $0 | $42.0M |
| Q3 2025 | 100.48% | 86.49% | $0 | $38.0M |
| Q4 2025 | 100.38% | 86.77% | $0 | $37.1M |
| Q1 2026 | 98.46% | 88.63% | $0 | $32.0M |
| Q2 2026 | 101.22% | 88.18% | $0 | $39.0M |
The Cooperative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cooperative 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 The Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)