Pittsfield Co-Operative 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 Fed funds sold and reverse repos: 85.6% higher than in Q1 2026, at $2.1M. Within Massachusetts, Pittsfield Co-Operative Bank is 14th of 89 on loan-to-deposit ratio, 105.66% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pittsfield Co-Operative Bank sits 24.82 points higher, at 105.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.8M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 0.47% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $65.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.66% |
| Net loans and leases to deposits | 104.95% |
| Loans and leases to core deposits | 120.10% |
| Core deposits to total deposits | 83.40% |
| Brokered deposits to total deposits | 4.58% |
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 | 88.18% | 86.47% | $0 | $35.7M |
| Q4 2023 | 90.91% | 85.31% | $0 | $35.7M |
| Q1 2024 | 88.93% | 84.94% | $0 | $27.1M |
| Q2 2024 | 93.87% | 84.14% | $0 | $36.1M |
| Q3 2024 | 90.78% | 79.20% | $0 | $49.1M |
| Q4 2024 | 90.95% | 80.61% | $0 | $39.1M |
| Q1 2025 | 92.74% | 80.35% | $0 | $48.1M |
| Q2 2025 | 92.16% | 78.79% | $0 | $51.6M |
| Q3 2025 | 98.20% | 80.60% | $0 | $47.6M |
| Q4 2025 | 102.39% | 82.84% | $0 | $59.6M |
| Q1 2026 | 103.05% | 82.47% | $0 | $63.6M |
| Q2 2026 | 105.66% | 83.40% | $0 | $65.6M |
Pittsfield Co-Operative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pittsfield Co-Operative 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 Pittsfield Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)