Marblehead 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 rose 0.60 percentage points from Q1 2026 to Q2 2026, ending at 104.57% against 103.97%. It was the largest change among the key lines on this page. Within Massachusetts, Marblehead Bank is 46th of 89 on loan-to-deposit ratio, 92.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Marblehead Bank sits 12.17 points higher, at 92.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.0M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.73% |
| Net loans and leases to deposits | 92.17% |
| Loans and leases to core deposits | 104.57% |
| Core deposits to total deposits | 88.67% |
| 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 | 89.98% | 93.99% | $0 | $0 |
| Q4 2023 | 89.20% | 94.03% | $0 | $0 |
| Q1 2024 | 90.07% | 93.45% | $0 | $0 |
| Q2 2024 | 87.46% | 93.38% | $0 | $0 |
| Q3 2024 | 92.71% | 92.35% | $0 | $0 |
| Q4 2024 | 92.46% | 92.48% | $0 | $0 |
| Q1 2025 | 87.54% | 90.18% | $0 | $0 |
| Q2 2025 | 94.30% | 87.79% | $0 | $0 |
| Q3 2025 | 94.96% | 87.84% | $0 | $0 |
| Q4 2025 | 89.73% | 88.82% | $0 | $0 |
| Q1 2026 | 92.30% | 88.78% | $0 | $0 |
| Q2 2026 | 92.73% | 88.67% | $0 | $0 |
Marblehead Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Marblehead 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 Marblehead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90234) · FFIEC NIC profile (RSSD 816304)