Martha's Vineyard 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 45.5% in Q2 2026, from $16.4M to $23.9M. It was the largest change from Q1 2026 among the key lines here. Martha's Vineyard Bank ranks 15th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 105.55% (Q2 2026). Martha's Vineyard Bank reported 105.55% on loan-to-deposit ratio for Q2 2026, 17.35 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 | $23.9M |
| Cash and noninterest-bearing balances to assets | 1.80% |
| Cash and securities | $134.0M |
| 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 | $103.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.55% |
| Net loans and leases to deposits | 104.71% |
| Loans and leases to core deposits | 125.15% |
| Core deposits to total deposits | 84.34% |
| 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 | 109.45% | 89.39% | $0 | $124.0M |
| Q4 2023 | 110.63% | 83.25% | $0 | $136.0M |
| Q1 2024 | 110.18% | 79.89% | $0 | $135.5M |
| Q2 2024 | 113.10% | 83.17% | $0 | $175.0M |
| Q3 2024 | 108.50% | 85.11% | $0 | $121.8M |
| Q4 2024 | 110.27% | 84.32% | $0 | $136.3M |
| Q1 2025 | 109.41% | 84.34% | $0 | $118.5M |
| Q2 2025 | 107.05% | 84.97% | $0 | $110.5M |
| Q3 2025 | 102.25% | 85.50% | $0 | $42.0M |
| Q4 2025 | 107.78% | 85.68% | $0 | $94.5M |
| Q1 2026 | 107.17% | 84.37% | $0 | $100.8M |
| Q2 2026 | 105.55% | 84.34% | $0 | $103.7M |
Martha's Vineyard Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Martha's Vineyard 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 Martha's Vineyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90190) · FFIEC NIC profile (RSSD 196800)