Cornerstone 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.
Fed funds sold and reverse repos climbed 197.7% in Q2 2026, from $9.7M to $28.9M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Cornerstone Bank is 32nd of 89 on loan-to-deposit ratio, 99.84% as of Q2 2026. Cornerstone Bank reported 99.84% on loan-to-deposit ratio for Q2 2026, 11.63 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 | $110.6M |
| Cash and noninterest-bearing balances to assets | 3.17% |
| Cash and securities | $464.7M |
| Fed funds sold and reverse repos | $28.9M |
| Fed funds sold and reverse repos to assets | 1.12% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $381.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.84% |
| Net loans and leases to deposits | 99.39% |
| Loans and leases to core deposits | 116.91% |
| Core deposits to total deposits | 85.14% |
| Brokered deposits to total deposits | 0.26% |
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 | 103.03% | 84.35% | $0 | $150.4M |
| Q4 2023 | 100.14% | 83.66% | $0 | $136.4M |
| Q1 2024 | 101.63% | 84.41% | $0 | $142.8M |
| Q2 2024 | 103.58% | 84.11% | $0 | $182.3M |
| Q3 2024 | 103.51% | 83.36% | $0 | $201.8M |
| Q4 2024 | 102.13% | 85.23% | $0 | $181.8M |
| Q1 2025 | 100.74% | 84.88% | $0 | $176.8M |
| Q2 2025 | 105.03% | 84.13% | $0 | $210.8M |
| Q3 2025 | 104.91% | 82.76% | $0 | $216.8M |
| Q4 2025 | 102.54% | 81.63% | $0 | $211.3M |
| Q1 2026 | 95.65% | 85.79% | $0 | $190.8M |
| Q2 2026 | 99.84% | 85.14% | $0 | $381.3M |
Cornerstone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90282) · FFIEC NIC profile (RSSD 447100)