North Cambridge Co-Operative 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.
Loans and leases to core deposits dropped 4.41 percentage points in Q2 2026, from 87.67% to 83.25%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, North Cambridge Co-Operative Bank is 80th of 89 on loan-to-deposit ratio, 74.62% as of Q2 2026, below the middle of the field. North Cambridge Co-Operative Bank reported 74.62% on loan-to-deposit ratio for Q2 2026, 7.00 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.0M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.62% |
| Net loans and leases to deposits | 73.86% |
| Loans and leases to core deposits | 83.25% |
| Core deposits to total deposits | 89.63% |
| 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 | 82.41% | 90.07% | $0 | $0 |
| Q4 2023 | 83.73% | 89.35% | $0 | $0 |
| Q1 2024 | 84.67% | 90.24% | $0 | $0 |
| Q2 2024 | 85.08% | 87.21% | $0 | $0 |
| Q3 2024 | 86.36% | 87.04% | $0 | $0 |
| Q4 2024 | 83.20% | 87.01% | $0 | $0 |
| Q1 2025 | 84.27% | 87.65% | $0 | $0 |
| Q2 2025 | 80.69% | 86.75% | $0 | $0 |
| Q3 2025 | 79.81% | 86.11% | $0 | $0 |
| Q4 2025 | 76.62% | 85.77% | $0 | $0 |
| Q1 2026 | 78.24% | 89.25% | $0 | $0 |
| Q2 2026 | 74.62% | 89.63% | $0 | $0 |
North Cambridge Co-Operative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Cambridge Co-Operative 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 Cambridge Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26567) · FFIEC NIC profile (RSSD 931270)