Institution for Savings in Newburyport and Its Vicinity: 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 21.2% in Q2 2026, from $272.8M to $330.6M. It was the largest change from Q1 2026 among the key lines here. Among 89 Massachusetts banks, Institution for Savings in Newburyport and Its Vicinity sits 2nd from the top on loan-to-deposit ratio, 126.49% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Institution for Savings in Newburyport and Its Vicinity sits 38.29 points higher, at 126.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $330.6M |
| Cash and noninterest-bearing balances to assets | 5.91% |
| Cash and securities | $982.0M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.8M |
| Other borrowed money | $1.45B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 26.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 126.49% |
| Net loans and leases to deposits | 126.06% |
| Loans and leases to core deposits | 156.95% |
| Core deposits to total deposits | 71.32% |
| Brokered deposits to total deposits | 9.27% |
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 | 119.50% | 81.97% | $2.7M | $1.16B |
| Q4 2023 | 122.84% | 79.92% | $2.3M | $1.17B |
| Q1 2024 | 128.21% | 80.80% | $1.7M | $1.30B |
| Q2 2024 | 130.32% | 78.08% | $2.4M | $1.41B |
| Q3 2024 | 129.93% | 76.08% | $3.2M | $1.41B |
| Q4 2024 | 122.19% | 73.22% | $2.2M | $1.32B |
| Q1 2025 | 123.50% | 73.53% | $2.8M | $1.34B |
| Q2 2025 | 127.26% | 72.78% | $3.2M | $1.42B |
| Q3 2025 | 131.97% | 73.27% | $4.5M | $1.45B |
| Q4 2025 | 132.13% | 73.70% | $3.5M | $1.47B |
| Q1 2026 | 126.62% | 71.25% | $3.5M | $1.37B |
| Q2 2026 | 126.49% | 71.32% | $3.8M | $1.45B |
Institution for Savings in Newburyport and Its Vicinity liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Institution for Savings in Newburyport and Its Vicinity, 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 Institution for Savings in Newburyport and Its Vicinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90250) · FFIEC NIC profile (RSSD 272302)