Middlesex 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 Fed funds sold and reverse repos: 91.1% lower than in Q1 2026, at $1.5M. On loan-to-deposit ratio, Middlesex Savings Bank is 8th from the bottom among 89 Massachusetts banks, 73.19% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Middlesex Savings Bank sits 15.01 points lower, at 73.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $107.2M |
| Cash and noninterest-bearing balances to assets | 1.74% |
| Cash and securities | $2.03B |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $114.9M |
| Other borrowed money | $14.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.19% |
| Net loans and leases to deposits | 72.54% |
| Loans and leases to core deposits | 82.94% |
| Core deposits to total deposits | 88.25% |
| 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 | 77.56% | 91.22% | $81.6M | $600.2M |
| Q4 2023 | 76.35% | 90.35% | $53.9M | $600.1M |
| Q1 2024 | 75.06% | 89.56% | $62.4M | $600.1M |
| Q2 2024 | 73.17% | 88.95% | $63.4M | $200.1M |
| Q3 2024 | 70.90% | 87.84% | $74.5M | $140K |
| Q4 2024 | 69.16% | 87.91% | $84.6M | $137K |
| Q1 2025 | 67.64% | 88.00% | $89.2M | $12.0M |
| Q2 2025 | 68.03% | 87.64% | $84.5M | $11.8M |
| Q3 2025 | 68.51% | 87.51% | $84.1M | $11.7M |
| Q4 2025 | 70.10% | 87.48% | $94.5M | $11.6M |
| Q1 2026 | 71.18% | 87.89% | $105.6M | $14.3M |
| Q2 2026 | 73.19% | 88.25% | $114.9M | $14.2M |
Middlesex Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Middlesex 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 Middlesex Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90183) · FFIEC NIC profile (RSSD 888002)