Maine Community 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.
Fed funds purchased and repos dropped 100.0% in Q2 2026, from $1.8M to $0. It was the largest change from Q1 2026 among the key lines here. Maine Community Bank ranks 8th of 22 Maine banks on loan-to-deposit ratio, in the upper half at 107.55% (Q2 2026). Maine Community Bank reported 107.55% on loan-to-deposit ratio for Q2 2026, 19.35 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $88.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $330.7M |
| 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 | $369.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.37% |
| Trading liabilities | $5.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.55% |
| Net loans and leases to deposits | 106.87% |
| Loans and leases to core deposits | 111.90% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 8.41% |
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 | 112.69% | 89.99% | $0 | $113.9M |
| Q4 2023 | 112.76% | 88.39% | $0 | $117.5M |
| Q1 2024 | 112.93% | 86.77% | $10.0M | $126.0M |
| Q2 2024 | 112.12% | 83.96% | $10.1M | $134.6M |
| Q3 2024 | 108.74% | 81.35% | $5.0M | $89.4M |
| Q4 2024 | 110.87% | 80.86% | $0 | $110.6M |
| Q1 2025 | 97.86% | 86.37% | $2.3M | $147.8M |
| Q2 2025 | 101.07% | 86.44% | $2.9M | $213.7M |
| Q3 2025 | 99.68% | 86.81% | $10.3M | $159.1M |
| Q4 2025 | 103.98% | 86.93% | $3.3M | $257.0M |
| Q1 2026 | 105.53% | 86.57% | $1.8M | $317.0M |
| Q2 2026 | 107.55% | 87.70% | $0 | $369.0M |
Maine Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Maine Community 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 Maine Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17741) · FFIEC NIC profile (RSSD 499501)