Mutualone 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 Core deposits to total deposits: 2.77 percentage points higher than in Q1 2026, at 75.40%. Mutualone Bank ranks 36th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 96.25% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Mutualone Bank sits 8.05 points higher, at 96.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $205.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $304.4M |
| Fed funds sold and reverse repos | $485K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.25% |
| Net loans and leases to deposits | 93.39% |
| Loans and leases to core deposits | 110.24% |
| Core deposits to total deposits | 75.40% |
| Brokered deposits to total deposits | 11.91% |
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 | 126.30% | 43.08% | $0 | $142.0M |
| Q4 2023 | 128.67% | 40.86% | $0 | $158.1M |
| Q1 2024 | 126.66% | 63.86% | $0 | $143.1M |
| Q2 2024 | 123.19% | 65.65% | $0 | $107.0M |
| Q3 2024 | 125.38% | 66.40% | $0 | $109.0M |
| Q4 2024 | 127.67% | 65.90% | $0 | $120.0M |
| Q1 2025 | 122.98% | 68.83% | $0 | $83.0M |
| Q2 2025 | 126.00% | 72.72% | $0 | $104.0M |
| Q3 2025 | 119.57% | 72.15% | $0 | $87.0M |
| Q4 2025 | 104.44% | 71.35% | $0 | $46.9M |
| Q1 2026 | 95.53% | 72.63% | $0 | $15.8M |
| Q2 2026 | 96.25% | 75.40% | $0 | $15.8M |
Mutualone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutualone 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 Mutualone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26395) · FFIEC NIC profile (RSSD 154770)