Everett Co-Operative Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Everett Co-Operative Bank reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $98.3M in Q3 2026, down 11.1% from $110.6M in Q3 2025. That is 5.8% of its total assets. Across the 12 quarters shown it ranged from $94.9M (Q4 2025) to $157.7M (Q4 2024).
The standout move of Q3 2026 was in Loans and leases to core deposits: 8.11 percentage points higher than in Q2 2026, at 174.80%. On loan-to-deposit ratio, Everett Co-Operative Bank ranks 3rd highest among the 89 banks headquartered in Massachusetts, at 119.43% (Q3 2026). The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. Everett Co-Operative Bank sits 31.30 points higher, at 119.43% (Q3 2026).
Liquid assets
Cash and balances due from depository institutions changed the most here, down 28.9% to $98.3M in Q3 2026 from $138.2M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $98.3M |
| Cash and noninterest-bearing balances to assets | 5.81% |
| Cash and securities | $190.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Other borrowed money to assets moved most in this table, down 0.37 points: 17.42% in Q2 2026, 17.05% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $288.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 119.43% |
| Net loans and leases to deposits | 118.58% |
| Loans and leases to core deposits | 174.80% |
| Core deposits to total deposits | 61.59% |
| Brokered deposits to total deposits | 6.74% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 118.32% | 64.75% | $0 | $240.7M |
| Q1 2024 | 117.47% | 62.40% | $0 | $230.7M |
| Q2 2024 | 117.15% | 61.93% | $0 | $230.7M |
| Q3 2024 | 117.10% | 61.63% | $0 | $240.7M |
| Q4 2024 | 112.88% | 62.20% | $0 | $240.5M |
| Q1 2025 | 112.78% | 61.80% | $0 | $240.5M |
| Q2 2025 | 119.59% | 62.41% | $0 | $271.3M |
| Q3 2025 | 117.41% | 60.36% | $0 | $266.3M |
| Q4 2025 | 120.82% | 59.08% | $0 | $291.0M |
| Q1 2026 | 115.77% | 57.87% | $0 | $267.0M |
| Q2 2026 | 116.62% | 59.38% | $0 | $291.2M |
| Q3 2026 | 119.43% | 61.59% | $0 | $288.7M |
Everett Co-Operative Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Everett Co-Operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26444) · FFIEC NIC profile (RSSD 952172)