Rockland Trust Company: 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: 37.3% higher than in Q1 2026, at $1.00B. Within Massachusetts, Rockland Trust Company is 62nd of 89 on loan-to-deposit ratio, 89.72% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Rockland Trust Company sits 2.89 points higher, at 89.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.00B |
| Cash and noninterest-bearing balances to assets | 4.01% |
| Cash and securities | $4.31B |
| 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 | $216.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.87% |
| Trading liabilities | $55.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.72% |
| Net loans and leases to deposits | 88.77% |
| Loans and leases to core deposits | 94.62% |
| Core deposits to total deposits | 94.53% |
| Brokered deposits to total deposits | 0.29% |
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 | 93.52% | 95.71% | $0 | $887.5M |
| Q4 2023 | 95.36% | 95.59% | $0 | $1.11B |
| Q1 2024 | 95.01% | 95.10% | $0 | $962.5M |
| Q2 2024 | 93.13% | 94.71% | $0 | $630.5M |
| Q3 2024 | 92.56% | 94.70% | $0 | $600.5M |
| Q4 2024 | 94.11% | 94.65% | $0 | $638.5M |
| Q1 2025 | 91.15% | 94.84% | $0 | $500.5M |
| Q2 2025 | 89.87% | 94.84% | $0 | $400.5M |
| Q3 2025 | 90.46% | 94.51% | $0 | $416.2M |
| Q4 2025 | 91.52% | 94.68% | $0 | $416.5M |
| Q1 2026 | 91.12% | 94.62% | $0 | $316.7M |
| Q2 2026 | 89.72% | 94.53% | $0 | $216.7M |
Rockland Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockland Trust Company, 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 Rockland Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9712) · FFIEC NIC profile (RSSD 613008)