Pentucket 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 Cash and balances due from depository institutions: 11.4% higher than in Q1 2026, at $15.2M. Pentucket Bank ranks 24th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 102.49% (Q2 2026). Pentucket Bank reported 102.49% on loan-to-deposit ratio for Q2 2026, 14.29 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 | $15.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $160.7M |
| Fed funds sold and reverse repos | $557K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $105.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.49% |
| Net loans and leases to deposits | 101.42% |
| Loans and leases to core deposits | 120.58% |
| Core deposits to total deposits | 80.44% |
| Brokered deposits to total deposits | 4.56% |
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 | 92.81% | 85.48% | $2.5M | $24.3M |
| Q4 2023 | 98.34% | 84.97% | $0 | $80.2M |
| Q1 2024 | 102.51% | 83.51% | $0 | $115.9M |
| Q2 2024 | 108.28% | 83.38% | $0 | $161.7M |
| Q3 2024 | 103.16% | 80.76% | $0 | $129.7M |
| Q4 2024 | 103.34% | 81.24% | $0 | $119.5M |
| Q1 2025 | 100.93% | 81.74% | $0 | $104.2M |
| Q2 2025 | 100.89% | 80.42% | $0 | $104.4M |
| Q3 2025 | 102.11% | 80.94% | $0 | $111.6M |
| Q4 2025 | 102.05% | 81.12% | $0 | $105.5M |
| Q1 2026 | 102.29% | 80.80% | $0 | $105.6M |
| Q2 2026 | 102.49% | 80.44% | $0 | $105.9M |
Pentucket Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pentucket 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 Pentucket Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90208) · FFIEC NIC profile (RSSD 635907)