Greenfield Co-Operative 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.
Cash and balances due from depository institutions climbed 17.7% in Q2 2026, from $89.6M to $105.5M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Greenfield Co-Operative Bank is 6th from the bottom among 89 Massachusetts banks, 69.66% (Q2 2026). Greenfield Co-Operative Bank reported 69.66% on loan-to-deposit ratio for Q2 2026, 11.17 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $105.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $300.0M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 0.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.66% |
| Net loans and leases to deposits | 69.00% |
| Loans and leases to core deposits | 79.24% |
| Core deposits to total deposits | 87.91% |
| 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 | 70.63% | 91.08% | $0 | $7.4M |
| Q4 2023 | 74.49% | 90.47% | $0 | $7.4M |
| Q1 2024 | 72.04% | 90.26% | $0 | $6.3M |
| Q2 2024 | 72.87% | 90.16% | $0 | $6.3M |
| Q3 2024 | 74.86% | 89.64% | $0 | $6.2M |
| Q4 2024 | 73.15% | 88.85% | $0 | $3.2M |
| Q1 2025 | 71.20% | 88.24% | $0 | $3.1M |
| Q2 2025 | 70.34% | 88.16% | $0 | $3.1M |
| Q3 2025 | 69.76% | 87.73% | $0 | $3.1M |
| Q4 2025 | 70.97% | 87.25% | $0 | $2.1M |
| Q1 2026 | 70.33% | 87.40% | $0 | $1.1M |
| Q2 2026 | 69.66% | 87.91% | $0 | $1.1M |
Greenfield Co-Operative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenfield Co-Operative 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 Greenfield Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26397) · FFIEC NIC profile (RSSD 326979)