Eagle 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.
Cash and balances due from depository institutions dropped 30.6% in Q2 2026, from $10.9M to $7.5M. It was the largest change from Q1 2026 among the key lines here. Eagle Bank ranks 42nd of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 95.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Eagle Bank sits 14.44 points higher, at 95.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.0M |
| 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 | $13.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.00% |
| Net loans and leases to deposits | 94.18% |
| Loans and leases to core deposits | 114.90% |
| Core deposits to total deposits | 82.68% |
| 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 | 85.07% | 82.87% | $0 | $7.5M |
| Q4 2023 | 90.70% | 85.78% | $0 | $25.5M |
| Q1 2024 | 88.47% | 81.55% | $0 | $12.5M |
| Q2 2024 | 91.96% | 84.00% | $0 | $23.0M |
| Q3 2024 | 91.53% | 83.95% | $0 | $10.8M |
| Q4 2024 | 94.77% | 84.86% | $0 | $25.5M |
| Q1 2025 | 93.38% | 83.64% | $0 | $18.3M |
| Q2 2025 | 92.53% | 83.64% | $0 | $10.7M |
| Q3 2025 | 90.02% | 83.35% | $0 | $5.0M |
| Q4 2025 | 90.69% | 82.60% | $0 | $5.0M |
| Q1 2026 | 92.85% | 82.36% | $0 | $0 |
| Q2 2026 | 95.00% | 82.68% | $0 | $13.7M |
Eagle Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90191) · FFIEC NIC profile (RSSD 197302)