The Lowell Five Cent 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.
Cash and balances due from depository institutions climbed 19.4% in Q2 2026, from $98.9M to $118.2M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, The Lowell Five Cent Savings Bank is 58th of 89 on loan-to-deposit ratio, 90.25% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The Lowell Five Cent Savings Bank reported 90.25% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $326.4M |
| Fed funds sold and reverse repos | $6K |
| 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 | $4.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.25% |
| Net loans and leases to deposits | 89.05% |
| Loans and leases to core deposits | 103.87% |
| Core deposits to total deposits | 86.88% |
| 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 | 85.67% | 91.00% | $0 | $1.4M |
| Q4 2023 | 84.85% | 90.33% | $0 | $0 |
| Q1 2024 | 85.32% | 89.80% | $0 | $0 |
| Q2 2024 | 84.72% | 89.10% | $0 | $0 |
| Q3 2024 | 89.14% | 88.68% | $0 | $0 |
| Q4 2024 | 90.76% | 88.36% | $0 | $0 |
| Q1 2025 | 88.48% | 87.38% | $0 | $0 |
| Q2 2025 | 89.76% | 87.54% | $0 | $3.5M |
| Q3 2025 | 91.13% | 87.17% | $0 | $3.5M |
| Q4 2025 | 93.04% | 86.90% | $0 | $4.8M |
| Q1 2026 | 91.55% | 87.64% | $0 | $4.8M |
| Q2 2026 | 90.25% | 86.88% | $0 | $4.8M |
The Lowell Five Cent Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lowell Five Cent 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 The Lowell Five Cent Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90227) · FFIEC NIC profile (RSSD 923707)