North Easton 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 Net loans and leases to deposits: 1.39 percentage points lower than in Q1 2026, at 81.91%. North Easton Savings Bank ranks 74th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 82.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. North Easton Savings Bank sits 5.87 points lower, at 82.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $400.2M |
| 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 | $1.3M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.33% |
| Net loans and leases to deposits | 81.91% |
| Loans and leases to core deposits | 86.28% |
| Core deposits to total deposits | 94.24% |
| Brokered deposits to total deposits | 1.18% |
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 | 84.04% | 94.29% | $0 | $30.0M |
| Q4 2023 | 87.22% | 95.10% | $0 | $48.9M |
| Q1 2024 | 86.32% | 94.51% | $0 | $40.0M |
| Q2 2024 | 86.72% | 93.75% | $0 | $51.1M |
| Q3 2024 | 87.42% | 93.41% | $0 | $51.2M |
| Q4 2024 | 84.15% | 91.21% | $0 | $5.8M |
| Q1 2025 | 82.79% | 92.17% | $0 | $0 |
| Q2 2025 | 84.46% | 91.33% | $0 | $6.5M |
| Q3 2025 | 85.63% | 93.27% | $0 | $49.7M |
| Q4 2025 | 86.50% | 95.44% | $0 | $29.0M |
| Q1 2026 | 83.71% | 94.13% | $0 | $0 |
| Q2 2026 | 82.33% | 94.24% | $0 | $0 |
North Easton 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 Easton 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 Easton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90259) · FFIEC NIC profile (RSSD 527600)