Haverhill 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 20.0% in Q2 2026, from $13.7M to $16.4M. It was the largest change from Q1 2026 among the key lines here. Haverhill Bank ranks 48th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 92.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Haverhill Bank sits 11.61 points higher, at 92.45% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $145.1M |
| 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 | $58.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.45% |
| Net loans and leases to deposits | 91.71% |
| Loans and leases to core deposits | 126.86% |
| Core deposits to total deposits | 72.88% |
| 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 | 89.29% | 78.99% | $0 | $44.6M |
| Q4 2023 | 89.85% | 78.06% | $0 | $48.6M |
| Q1 2024 | 89.35% | 78.80% | $0 | $42.6M |
| Q2 2024 | 89.42% | 78.03% | $0 | $45.1M |
| Q3 2024 | 90.79% | 76.21% | $0 | $49.6M |
| Q4 2024 | 91.34% | 74.78% | $0 | $51.7M |
| Q1 2025 | 91.64% | 74.46% | $0 | $51.2M |
| Q2 2025 | 90.97% | 73.29% | $0 | $47.7M |
| Q3 2025 | 92.76% | 73.73% | $0 | $57.7M |
| Q4 2025 | 91.05% | 73.22% | $0 | $49.7M |
| Q1 2026 | 93.10% | 73.00% | $0 | $58.7M |
| Q2 2026 | 92.45% | 72.88% | $0 | $58.2M |
Haverhill Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Haverhill 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 Haverhill Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26411) · FFIEC NIC profile (RSSD 109574)