Needham 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.
Brokered deposits to total deposits climbed 2.03 percentage points in Q2 2026, from 9.34% to 11.37%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Needham Bank is 23rd of 89 on loan-to-deposit ratio, 102.56% as of Q2 2026, above the middle of the field. Needham Bank reported 102.56% on loan-to-deposit ratio for Q2 2026, 14.36 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 | $381.9M |
| Cash and noninterest-bearing balances to assets | 5.14% |
| Cash and securities | $654.5M |
| Fed funds sold and reverse repos | $335K |
| 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 | $181.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.56% |
| Net loans and leases to deposits | 101.26% |
| Loans and leases to core deposits | 116.59% |
| Core deposits to total deposits | 76.60% |
| Brokered deposits to total deposits | 11.37% |
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 | 107.98% | 75.91% | $0 | $345.6M |
| Q4 2023 | 113.07% | 78.84% | $0 | $283.3M |
| Q1 2024 | 104.70% | 75.88% | $0 | $60.8M |
| Q2 2024 | 104.45% | 75.40% | $0 | $60.8M |
| Q3 2024 | 104.98% | 74.44% | $0 | $116.3M |
| Q4 2024 | 103.61% | 76.00% | $0 | $120.8M |
| Q1 2025 | 103.08% | 76.84% | $0 | $90.8M |
| Q2 2025 | 106.16% | 78.85% | $0 | $127.6M |
| Q3 2025 | 103.15% | 76.67% | $0 | $41.5M |
| Q4 2025 | 103.29% | 77.66% | $0 | $196.2M |
| Q1 2026 | 102.80% | 77.93% | $0 | $189.7M |
| Q2 2026 | 102.56% | 76.60% | $0 | $181.2M |
Needham Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Needham 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 Needham Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26483) · FFIEC NIC profile (RSSD 339773)