Eastern Savings Bank Federal 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.
Net loans and leases to deposits dropped 3.65 percentage points in Q2 2026, from 119.81% to 116.16%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Eastern Savings Bank Federal Savings Bank ranks first in Maryland on loan-to-deposit ratio among 27 banks, at 117.59%. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Eastern Savings Bank Federal Savings Bank sits 36.75 points higher, at 117.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.3M |
| 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 | $16.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.59% |
| Net loans and leases to deposits | 116.16% |
| Loans and leases to core deposits | 130.03% |
| Core deposits to total deposits | 68.67% |
| Brokered deposits to total deposits | 21.76% |
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 | 115.19% | 91.01% | $0 | $22.0M |
| Q4 2023 | 113.75% | 88.29% | $0 | $22.0M |
| Q1 2024 | 113.19% | 86.80% | $0 | $22.0M |
| Q2 2024 | 118.73% | 86.13% | $0 | $25.2M |
| Q3 2024 | 115.27% | 83.78% | $0 | $22.0M |
| Q4 2024 | 111.38% | 85.10% | $0 | $22.0M |
| Q1 2025 | 108.13% | 85.16% | $0 | $22.0M |
| Q2 2025 | 108.35% | 78.97% | $0 | $22.0M |
| Q3 2025 | 118.48% | 66.28% | $0 | $22.0M |
| Q4 2025 | 118.43% | 66.54% | $0 | $17.0M |
| Q1 2026 | 121.15% | 67.28% | $0 | $17.0M |
| Q2 2026 | 117.59% | 68.67% | $0 | $16.0M |
Eastern Savings Bank Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern Savings Bank Federal 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 Eastern Savings Bank Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32360) · FFIEC NIC profile (RSSD 643078)