Fall River Five Cents 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 54.9% lower than in Q1 2026, at $49.7M. Within Massachusetts, Fall River Five Cents Savings Bank is 16th of 89 on loan-to-deposit ratio, 105.20% 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. Fall River Five Cents Savings Bank sits 16.99 points higher, at 105.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.7M |
| Cash and noninterest-bearing balances to assets | 2.68% |
| Cash and securities | $318.2M |
| 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 | $327.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.20% |
| Net loans and leases to deposits | 104.48% |
| Loans and leases to core deposits | 125.57% |
| Core deposits to total deposits | 80.15% |
| Brokered deposits to total deposits | 3.63% |
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 | 107.14% | 79.77% | $0 | $346.7M |
| Q4 2023 | 108.87% | 80.30% | $0 | $356.6M |
| Q1 2024 | 108.19% | 80.17% | $0 | $359.6M |
| Q2 2024 | 110.49% | 81.14% | $0 | $397.4M |
| Q3 2024 | 109.09% | 80.59% | $0 | $392.2M |
| Q4 2024 | 107.49% | 80.01% | $0 | $387.0M |
| Q1 2025 | 106.61% | 80.24% | $0 | $386.9M |
| Q2 2025 | 109.74% | 80.75% | $0 | $386.3M |
| Q3 2025 | 108.64% | 81.15% | $0 | $381.3M |
| Q4 2025 | 106.76% | 80.62% | $0 | $378.1M |
| Q1 2026 | 104.35% | 80.31% | $0 | $378.1M |
| Q2 2026 | 105.20% | 80.15% | $0 | $327.6M |
Fall River Five Cents Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fall River Five Cents 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 Fall River Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23286) · FFIEC NIC profile (RSSD 833404)