Merrimack County Savings 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 26.1% lower than in Q1 2026, at $43.6M. Within New Hampshire, Merrimack County Savings Bank is 6th of 16 on loan-to-deposit ratio, 101.80% as of Q2 2026, above the middle of the field. Merrimack County Savings Bank reported 101.80% on loan-to-deposit ratio for Q2 2026, 13.60 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 | $43.6M |
| Cash and noninterest-bearing balances to assets | 3.05% |
| Cash and securities | $178.4M |
| Fed funds sold and reverse repos | $654K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $46.3M |
| Other borrowed money | $62.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.80% |
| Net loans and leases to deposits | 100.64% |
| Loans and leases to core deposits | 107.74% |
| Core deposits to total deposits | 94.48% |
| 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 | 112.87% | 92.10% | $62.9M | $147.2M |
| Q4 2023 | 113.09% | 91.70% | $64.1M | $150.2M |
| Q1 2024 | 116.40% | 91.25% | $101.4M | $129.7M |
| Q2 2024 | 112.47% | 92.33% | $69.9M | $142.9M |
| Q3 2024 | 111.15% | 91.88% | $100.4M | $102.6M |
| Q4 2024 | 102.68% | 92.05% | $46.1M | $62.6M |
| Q1 2025 | 103.42% | 92.80% | $52.2M | $62.1M |
| Q2 2025 | 104.25% | 94.36% | $59.7M | $63.1M |
| Q3 2025 | 104.14% | 93.98% | $56.6M | $63.4M |
| Q4 2025 | 101.70% | 94.12% | $53.2M | $63.2M |
| Q1 2026 | 101.43% | 94.25% | $55.7M | $62.8M |
| Q2 2026 | 101.80% | 94.48% | $46.3M | $62.8M |
Merrimack County Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Merrimack County Savings 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 Merrimack County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17960) · FFIEC NIC profile (RSSD 74403)