Middlesex Federal Savings, F.A.: 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 217.3% in Q2 2026, from $5.2M to $16.5M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Middlesex Federal Savings, F.A. is 47th of 89 on loan-to-deposit ratio, 92.54% as of Q2 2026. Middlesex Federal Savings, F.A. reported 92.54% on loan-to-deposit ratio for Q2 2026, 11.99 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.6M |
| Cash and noninterest-bearing balances to assets | 4.52% |
| Cash and securities | $94.9M |
| 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 | $16.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.54% |
| Net loans and leases to deposits | 91.44% |
| Loans and leases to core deposits | 97.98% |
| Core deposits to total deposits | 94.46% |
| 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 | 80.49% | 95.52% | $0 | $0 |
| Q4 2023 | 80.97% | 95.44% | $0 | $0 |
| Q1 2024 | 81.84% | 95.85% | $0 | $0 |
| Q2 2024 | 84.54% | 95.52% | $0 | $0 |
| Q3 2024 | 86.71% | 95.40% | $0 | $11.0M |
| Q4 2024 | 87.17% | 95.33% | $0 | $2.8M |
| Q1 2025 | 87.53% | 95.35% | $0 | $5.0M |
| Q2 2025 | 90.43% | 95.28% | $0 | $14.9M |
| Q3 2025 | 91.18% | 95.04% | $0 | $14.0M |
| Q4 2025 | 89.78% | 94.84% | $0 | $291K |
| Q1 2026 | 92.89% | 94.65% | $0 | $5.2M |
| Q2 2026 | 92.54% | 94.46% | $0 | $16.5M |
Middlesex Federal Savings, F.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Middlesex Federal Savings, F.A., 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 Middlesex Federal Savings, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28368) · FFIEC NIC profile (RSSD 87579)