Mascoma 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.
Other borrowed money climbed 257.9% in Q2 2026, from $31.5M to $112.7M. It was the largest change from Q1 2026 among the key lines here. Mascoma Bank ranks 7th of 16 New Hampshire banks on loan-to-deposit ratio, in the upper half at 95.81% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Mascoma Bank sits 7.61 points higher, at 95.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.8M |
| Cash and noninterest-bearing balances to assets | 1.21% |
| Cash and securities | $403.0M |
| 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 | $15.7M |
| Other borrowed money | $112.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.71% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.81% |
| Net loans and leases to deposits | 95.09% |
| Loans and leases to core deposits | 102.19% |
| Core deposits to total deposits | 93.76% |
| 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 | 96.48% | 93.90% | $25.1M | $169.8M |
| Q4 2023 | 95.23% | 94.16% | $19.5M | $169.6M |
| Q1 2024 | 95.04% | 94.04% | $16.9M | $169.3M |
| Q2 2024 | 97.98% | 93.53% | $27.5M | $182.0M |
| Q3 2024 | 94.45% | 93.13% | $13.6M | $84.7M |
| Q4 2024 | 93.05% | 92.36% | $19.0M | $28.4M |
| Q1 2025 | 93.94% | 93.14% | $20.7M | $38.1M |
| Q2 2025 | 94.16% | 92.85% | $17.1M | $43.1M |
| Q3 2025 | 92.64% | 92.77% | $25.4M | $31.6M |
| Q4 2025 | 93.13% | 92.84% | $15.7M | $31.3M |
| Q1 2026 | 92.64% | 93.60% | $19.4M | $31.5M |
| Q2 2026 | 95.81% | 93.76% | $15.7M | $112.7M |
Mascoma Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mascoma 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 Mascoma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18013) · FFIEC NIC profile (RSSD 268006)