North Brookfield 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 Cash and balances due from depository institutions: 27.3% higher than in Q1 2026, at $17.0M. Within Massachusetts, North Brookfield Savings Bank is 79th of 89 on loan-to-deposit ratio, 76.47% as of Q2 2026, below the middle of the field. North Brookfield Savings Bank reported 76.47% on loan-to-deposit ratio for Q2 2026, 4.37 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.1M |
| 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 | $22.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.47% |
| Net loans and leases to deposits | 75.96% |
| Loans and leases to core deposits | 84.03% |
| Core deposits to total deposits | 90.99% |
| Brokered deposits to total deposits | 1.35% |
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 | 76.79% | 92.35% | $0 | $9.0M |
| Q4 2023 | 76.99% | 91.87% | $0 | $14.0M |
| Q1 2024 | 77.18% | 92.28% | $0 | $14.6M |
| Q2 2024 | 77.53% | 92.53% | $0 | $16.4M |
| Q3 2024 | 77.74% | 92.54% | $0 | $16.7M |
| Q4 2024 | 76.00% | 91.75% | $0 | $14.7M |
| Q1 2025 | 75.90% | 92.06% | $0 | $15.0M |
| Q2 2025 | 76.91% | 91.67% | $0 | $19.2M |
| Q3 2025 | 80.56% | 90.88% | $0 | $28.2M |
| Q4 2025 | 79.69% | 90.36% | $0 | $28.6M |
| Q1 2026 | 78.53% | 90.70% | $0 | $22.6M |
| Q2 2026 | 76.47% | 90.99% | $0 | $22.0M |
North Brookfield Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Brookfield 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 North Brookfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90258) · FFIEC NIC profile (RSSD 528102)