Reading 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 Other borrowed money: 184.4% higher than in Q1 2026, at $71.1M. Reading Co-Operative Bank ranks 40th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 95.46% (Q2 2026). Reading Co-Operative Bank reported 95.46% on loan-to-deposit ratio for Q2 2026, 7.26 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 | $13.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $148.1M |
| Fed funds sold and reverse repos | $3.4M |
| Fed funds sold and reverse repos to assets | 0.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $71.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.46% |
| Net loans and leases to deposits | 94.92% |
| Loans and leases to core deposits | 110.16% |
| Core deposits to total deposits | 83.35% |
| Brokered deposits to total deposits | 3.31% |
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 | 87.51% | 77.71% | $0 | $35.0M |
| Q4 2023 | 101.90% | 85.76% | $0 | $146.7M |
| Q1 2024 | 103.04% | 85.26% | $0 | $153.3M |
| Q2 2024 | 103.78% | 86.75% | $0 | $156.7M |
| Q3 2024 | 105.54% | 86.57% | $0 | $164.1M |
| Q4 2024 | 106.06% | 86.80% | $0 | $161.4M |
| Q1 2025 | 91.22% | 75.51% | $0 | $48.1M |
| Q2 2025 | 91.48% | 74.84% | $0 | $65.0M |
| Q3 2025 | 90.51% | 77.25% | $0 | $50.0M |
| Q4 2025 | 84.41% | 81.00% | $0 | $25.0M |
| Q1 2026 | 90.36% | 81.15% | $0 | $25.0M |
| Q2 2026 | 95.46% | 83.35% | $0 | $71.1M |
Reading 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 Reading 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 Reading Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26620) · FFIEC NIC profile (RSSD 1008674)