Mechanics Cooperative 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 39.5% in Q2 2026, from $9.9M to $13.9M. It was the largest change from Q1 2026 among the key lines here. Among 89 Massachusetts banks, Mechanics Cooperative Bank sits 7th from the top on loan-to-deposit ratio, 109.75% as of Q2 2026. Mechanics Cooperative Bank reported 109.75% on loan-to-deposit ratio for Q2 2026, 28.81 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.3M |
| 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 | $88.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.89% |
| Trading liabilities | $2.2M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.75% |
| Net loans and leases to deposits | 108.81% |
| Loans and leases to core deposits | 128.76% |
| Core deposits to total deposits | 80.87% |
| Brokered deposits to total deposits | 4.37% |
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 | 103.87% | 86.64% | $0 | $48.6M |
| Q4 2023 | 109.34% | 85.80% | $0 | $78.3M |
| Q1 2024 | 106.17% | 80.30% | $0 | $63.0M |
| Q2 2024 | 108.14% | 78.51% | $0 | $73.9M |
| Q3 2024 | 108.02% | 76.51% | $0 | $73.0M |
| Q4 2024 | 108.78% | 73.76% | $0 | $78.4M |
| Q1 2025 | 105.05% | 73.82% | $0 | $50.8M |
| Q2 2025 | 106.07% | 75.47% | $0 | $60.4M |
| Q3 2025 | 108.50% | 76.95% | $0 | $70.1M |
| Q4 2025 | 104.02% | 74.00% | $0 | $41.5M |
| Q1 2026 | 106.98% | 79.26% | $0 | $71.0M |
| Q2 2026 | 109.75% | 80.87% | $0 | $88.9M |
Mechanics Cooperative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics Cooperative 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 Mechanics Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26634) · FFIEC NIC profile (RSSD 183770)