Country Bank for Savings: 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 Loans and leases to core deposits: 2.42 percentage points lower than in Q1 2026, at 113.73%. Country Bank for Savings ranks 25th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 101.58% (Q2 2026). Country Bank for Savings reported 101.58% on loan-to-deposit ratio for Q2 2026, 13.38 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 | $98.5M |
| Cash and noninterest-bearing balances to assets | 4.40% |
| Cash and securities | $436.0M |
| 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 | $174.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.58% |
| Net loans and leases to deposits | 100.58% |
| Loans and leases to core deposits | 113.73% |
| Core deposits to total deposits | 85.19% |
| Brokered deposits to total deposits | 4.13% |
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 | 107.48% | 91.60% | $0 | $223.4M |
| Q4 2023 | 107.66% | 90.12% | $0 | $225.5M |
| Q1 2024 | 103.94% | 88.57% | $0 | $195.0M |
| Q2 2024 | 101.26% | 85.84% | $0 | $185.0M |
| Q3 2024 | 103.65% | 86.46% | $0 | $222.3M |
| Q4 2024 | 104.46% | 86.32% | $15.0M | $217.7M |
| Q1 2025 | 105.46% | 84.15% | $0 | $247.8M |
| Q2 2025 | 112.14% | 84.70% | $20.0M | $317.8M |
| Q3 2025 | 105.05% | 82.53% | $0 | $238.4M |
| Q4 2025 | 103.41% | 82.72% | $0 | $206.1M |
| Q1 2026 | 103.96% | 83.47% | $0 | $211.4M |
| Q2 2026 | 101.58% | 85.19% | $0 | $174.1M |
Country Bank for Savings liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Country Bank for Savings, 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 Country Bank for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23992) · FFIEC NIC profile (RSSD 689209)