Oneunited 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 Brokered deposits to total deposits: 4.73 percentage points higher than in Q1 2026, at 27.06%. Oneunited Bank ranks 76th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 80.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Oneunited Bank reported 80.00% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.5M |
| Cash and noninterest-bearing balances to assets | 4.63% |
| Cash and securities | $197.0M |
| 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 | $61.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.00% |
| Net loans and leases to deposits | 79.69% |
| Loans and leases to core deposits | 81.49% |
| Core deposits to total deposits | 71.12% |
| Brokered deposits to total deposits | 27.06% |
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 | 87.57% | 75.21% | $0 | $24.0M |
| Q4 2023 | 89.13% | 81.73% | $0 | $199.0M |
| Q1 2024 | 87.21% | 73.74% | $0 | $40.0M |
| Q2 2024 | 84.76% | 74.93% | $0 | $40.0M |
| Q3 2024 | 83.03% | 72.02% | $0 | $0 |
| Q4 2024 | 79.94% | 78.08% | $0 | $180.0M |
| Q1 2025 | 79.41% | 71.48% | $0 | $25.0M |
| Q2 2025 | 78.96% | 70.62% | $0 | $25.0M |
| Q3 2025 | 77.13% | 71.41% | $0 | $25.0M |
| Q4 2025 | 77.99% | 77.73% | $0 | $177.0M |
| Q1 2026 | 84.10% | 75.81% | $0 | $61.4M |
| Q2 2026 | 80.00% | 71.12% | $0 | $61.5M |
Oneunited Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Oneunited 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 Oneunited Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23966) · FFIEC NIC profile (RSSD 935308)