Onelocal Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q2 2026 filing, Onelocal Bank reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $843.0M in Q2 2026, up 2.4% from $822.8M in Q2 2025. That is 80.2% of its total assets. Across the 12 quarters shown it ranged from $737.2M (Q2 2024) to $843.0M (Q2 2026).
What the deposit base page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.01 percentage points lower than in Q1 2026, at 127.17%. Onelocal Bank ranks 44th of 89 Massachusetts banks on total deposits, in the upper half at $843.0M (Q2 2026). Onelocal Bank reported $843.0M on total deposits for Q2 2026, 50% below the $1.67B median for banks in the $1B-10B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $843.0M |
| Domestic office deposits | $843.0M |
| Foreign office deposits | — |
| Deposits to total assets | 80.17% |
| Deposits to total liabilities | 93.12% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $170.6M |
| Savings deposits | $81.3M |
| Transaction accounts to domestic deposits | 20.24% |
| Time deposits | $36K |
| Time deposits under $100k | $83.6M |
| Time deposits $100k to $250k | $90.1M |
| Time deposits over $250k | $126.4M |
| Noninterest-bearing share of deposits | 10.56% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $716.6M |
| Core deposits to total deposits | 85.00% |
| Insured deposits | $532.4M |
| Uninsured deposits | $310.6M |
| Uninsured deposits to total deposits | 36.84% |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.83% |
| Interest expense on deposits | $5.3M |
| Loans and leases to core deposits | 127.17% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q3 2023 | $739.4M | 86.43% | — | 2.91% | 2.23% |
| Q4 2023 | $754.7M | 81.61% | — | 5.78% | 2.85% |
| Q1 2024 | $750.9M | 82.05% | — | 4.13% | 2.93% |
| Q2 2024 | $737.2M | 83.20% | — | 2.55% | 3.02% |
| Q3 2024 | $768.7M | 79.69% | — | 6.78% | 3.12% |
| Q4 2024 | $793.4M | 82.23% | — | 3.91% | 3.21% |
| Q1 2025 | $795.6M | 85.61% | — | 0.68% | 2.93% |
| Q2 2025 | $822.8M | 83.03% | — | 2.07% | 2.89% |
| Q3 2025 | $824.5M | 83.01% | — | 1.82% | 2.93% |
| Q4 2025 | $831.0M | 82.04% | — | 2.94% | 2.89% |
| Q1 2026 | $842.2M | 82.58% | 35.21% | 0.53% | 2.78% |
| Q2 2026 | $843.0M | 85.00% | 36.84% | 0.00% | 2.83% |
Onelocal Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Onelocal Bank, freeSource: Call Report Schedules RC-E and RC-O, Q2 2026. How these pages are built. See the full Onelocal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26555) · FFIEC NIC profile (RSSD 1013070)