Main Street 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.
Loans and leases to core deposits dropped 5.76 percentage points in Q2 2026, from 100.14% to 94.38%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Main Street Bank is 60th of 89 on loan-to-deposit ratio, 90.06% 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; Main Street Bank reported 90.06% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $351.0M |
| Fed funds sold and reverse repos | $398K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $62.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.06% |
| Net loans and leases to deposits | 89.25% |
| Loans and leases to core deposits | 94.38% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 7.72% |
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 | 98.19% | 73.10% | $0 | $136.3M |
| Q4 2023 | 98.42% | 73.61% | $0 | $127.3M |
| Q1 2024 | 97.76% | 75.90% | $0 | $111.3M |
| Q2 2024 | 99.53% | 75.28% | $0 | $91.3M |
| Q3 2024 | 104.44% | 78.00% | $0 | $150.5M |
| Q4 2024 | 103.51% | 76.22% | $0 | $123.3M |
| Q1 2025 | 97.80% | 79.12% | $0 | $68.3M |
| Q2 2025 | 92.70% | 85.73% | $0 | $68.3M |
| Q3 2025 | 97.93% | 86.37% | $0 | $103.5M |
| Q4 2025 | 98.26% | 87.44% | $0 | $139.8M |
| Q1 2026 | 95.29% | 87.44% | $0 | $58.4M |
| Q2 2026 | 90.06% | 87.70% | $0 | $62.4M |
Main Street Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street 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 Main Street Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90235) · FFIEC NIC profile (RSSD 818401)