Florence 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.
Other borrowed money dropped 100.0% in Q2 2026, from $15.0M to $0. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Florence Bank is 7th from the bottom among 89 Massachusetts banks, 71.48% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Florence Bank sits 16.72 points lower, at 71.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $75.3M |
| Cash and noninterest-bearing balances to assets | 3.74% |
| Cash and securities | $654.0M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.48% |
| Net loans and leases to deposits | 71.00% |
| Loans and leases to core deposits | 81.41% |
| Core deposits to total deposits | 87.80% |
| 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 | 67.76% | 92.03% | $0 | $50.0M |
| Q4 2023 | 69.36% | 90.60% | $0 | $80.0M |
| Q1 2024 | 69.43% | 89.37% | $0 | $269.0M |
| Q2 2024 | 70.47% | 88.96% | $0 | $269.0M |
| Q3 2024 | 70.89% | 88.42% | $0 | $269.0M |
| Q4 2024 | 70.19% | 88.13% | $0 | $67.5M |
| Q1 2025 | 69.58% | 88.24% | $0 | $55.4M |
| Q2 2025 | 71.04% | 88.07% | $0 | $44.0M |
| Q3 2025 | 72.11% | 87.32% | $0 | $45.0M |
| Q4 2025 | 70.76% | 87.84% | $0 | $30.0M |
| Q1 2026 | 70.49% | 87.72% | $0 | $15.0M |
| Q2 2026 | 71.48% | 87.80% | $0 | $0 |
Florence Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Florence 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 Florence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23293) · FFIEC NIC profile (RSSD 279105)