Northern Bank & Trust Company: 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: 140.3% higher than in Q1 2026, at $181.9M. Within Massachusetts, Northern Bank & Trust Company is 21st of 89 on loan-to-deposit ratio, 102.92% as of Q2 2026, above the middle of the field. Northern Bank & Trust Company reported 102.92% on loan-to-deposit ratio for Q2 2026, 14.72 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 | $181.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $344.2M |
| 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 | $31.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.92% |
| Net loans and leases to deposits | 100.66% |
| Loans and leases to core deposits | 110.98% |
| Core deposits to total deposits | 81.57% |
| Brokered deposits to total deposits | 11.17% |
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 | 107.99% | 74.06% | $0 | $31.6M |
| Q4 2023 | 107.22% | 74.09% | $0 | $76.5M |
| Q1 2024 | 104.26% | 67.66% | $0 | $56.5M |
| Q2 2024 | 101.76% | 69.16% | $0 | $34.4M |
| Q3 2024 | 107.50% | 73.74% | $0 | $76.3M |
| Q4 2024 | 105.38% | 73.45% | $0 | $36.5M |
| Q1 2025 | 105.22% | 76.54% | $0 | $36.5M |
| Q2 2025 | 104.84% | 73.17% | $0 | $46.5M |
| Q3 2025 | 106.36% | 77.70% | $0 | $56.5M |
| Q4 2025 | 108.94% | 77.09% | $0 | $66.5M |
| Q1 2026 | 106.77% | 80.24% | $0 | $36.5M |
| Q2 2026 | 102.92% | 81.57% | $0 | $31.4M |
Northern Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern Bank & Trust Company, 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 Northern Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18266) · FFIEC NIC profile (RSSD 900306)