East Cambridge Savings 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 climbed 4.61 percentage points in Q2 2026, from 95.58% to 100.19%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, East Cambridge Savings Bank is 31st of 89 on loan-to-deposit ratio, 100.19% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. East Cambridge Savings Bank sits 11.99 points higher, at 100.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $100.2M |
| Cash and noninterest-bearing balances to assets | 6.02% |
| Cash and securities | $242.5M |
| 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 | $154.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.19% |
| Net loans and leases to deposits | 99.60% |
| Loans and leases to core deposits | 119.13% |
| Core deposits to total deposits | 84.10% |
| 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 | 98.22% | 77.02% | $0 | $82.5M |
| Q4 2023 | 102.34% | 77.96% | $0 | $139.5M |
| Q1 2024 | 102.67% | 78.52% | $0 | $148.5M |
| Q2 2024 | 106.07% | 78.68% | $0 | $178.5M |
| Q3 2024 | 104.66% | 78.88% | $0 | $178.5M |
| Q4 2024 | 100.57% | 80.10% | $0 | $178.5M |
| Q1 2025 | 100.60% | 81.51% | $0 | $166.5M |
| Q2 2025 | 100.84% | 81.66% | $0 | $166.5M |
| Q3 2025 | 100.39% | 81.62% | $0 | $167.0M |
| Q4 2025 | 98.74% | 82.09% | $0 | $154.5M |
| Q1 2026 | 95.58% | 83.02% | $0 | $154.5M |
| Q2 2026 | 100.19% | 84.10% | $0 | $154.5M |
East Cambridge Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock East Cambridge Savings 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 East Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90173) · FFIEC NIC profile (RSSD 738303)