Milton 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: 68.2% higher than in Q1 2026, at $1.8M. Milton Savings Bank ranks 50th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 88.33% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Milton Savings Bank sits 20.71 points higher, at 88.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.2M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 2.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.33% |
| Net loans and leases to deposits | 87.32% |
| Loans and leases to core deposits | 93.13% |
| Core deposits to total deposits | 83.90% |
| Brokered deposits to total deposits | 10.94% |
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 | 75.55% | 95.80% | $0 | $5.2M |
| Q4 2023 | 77.07% | 94.93% | $0 | $6.4M |
| Q1 2024 | 73.54% | 94.33% | $0 | $4.7M |
| Q2 2024 | 72.86% | 92.71% | $0 | $4.7M |
| Q3 2024 | 77.23% | 93.29% | $0 | $6.5M |
| Q4 2024 | 80.83% | 91.93% | $0 | $6.8M |
| Q1 2025 | 85.10% | 90.54% | $0 | $7.4M |
| Q2 2025 | 86.66% | 88.17% | $0 | $5.9M |
| Q3 2025 | 92.09% | 88.35% | $0 | $11.2M |
| Q4 2025 | 89.69% | 84.93% | $0 | $9.0M |
| Q1 2026 | 89.15% | 84.20% | $0 | $7.8M |
| Q2 2026 | 88.33% | 83.90% | $0 | $6.3M |
Milton Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Milton 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 Milton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28637) · FFIEC NIC profile (RSSD 123075)