Salem 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.
Cash and balances due from depository institutions dropped 29.4% in Q2 2026, from $12.8M to $9.0M. It was the largest change from Q1 2026 among the key lines here. Salem Co-Operative Bank has the highest loan-to-deposit ratio of the 16 banks headquartered in New Hampshire, 119.76% as of Q2 2026. Salem Co-Operative Bank reported 119.76% on loan-to-deposit ratio for Q2 2026, 38.92 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.7M |
| 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 | $102.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.76% |
| Net loans and leases to deposits | 119.00% |
| Loans and leases to core deposits | 139.36% |
| Core deposits to total deposits | 85.75% |
| Brokered deposits to total deposits | 0.18% |
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 | 112.94% | 85.61% | $0 | $62.0M |
| Q4 2023 | 117.14% | 84.95% | $0 | $80.6M |
| Q1 2024 | 117.43% | 84.89% | $0 | $82.9M |
| Q2 2024 | 126.88% | 87.86% | $0 | $121.7M |
| Q3 2024 | 125.86% | 87.19% | $0 | $121.3M |
| Q4 2024 | 130.90% | 86.76% | $0 | $131.9M |
| Q1 2025 | 123.64% | 84.86% | $0 | $122.0M |
| Q2 2025 | 121.44% | 84.84% | $0 | $112.9M |
| Q3 2025 | 118.58% | 83.63% | $0 | $102.9M |
| Q4 2025 | 119.88% | 83.14% | $0 | $100.4M |
| Q1 2026 | 117.27% | 85.21% | $0 | $95.4M |
| Q2 2026 | 119.76% | 85.75% | $0 | $102.9M |
Salem 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 Salem 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 Salem Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27824) · FFIEC NIC profile (RSSD 670878)