Salem Five Cents Savings 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.
Loans and leases to core deposits climbed 3.45 percentage points in Q2 2026, from 120.23% to 123.68%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Salem Five Cents Savings Bank ranks 4th highest among the 89 banks headquartered in Massachusetts, at 113.03% (Q2 2026). Salem Five Cents Savings Bank reported 113.03% on loan-to-deposit ratio for Q2 2026, 24.83 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 | $60.4M |
| Cash and noninterest-bearing balances to assets | 0.68% |
| Cash and securities | $1.64B |
| 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 | $74.1M |
| Other borrowed money | $1.59B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.03% |
| Net loans and leases to deposits | 111.67% |
| Loans and leases to core deposits | 123.68% |
| Core deposits to total deposits | 91.39% |
| Brokered deposits to total deposits | 0.00% |
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 | 102.76% | 93.87% | $78.5M | $1.02B |
| Q4 2023 | 105.20% | 93.83% | $96.1M | $1.14B |
| Q1 2024 | 102.51% | 92.62% | $81.3M | $994.6M |
| Q2 2024 | 104.75% | 92.81% | $75.9M | $1.11B |
| Q3 2024 | 105.63% | 93.19% | $82.8M | $1.12B |
| Q4 2024 | 105.90% | 93.00% | $83.4M | $1.14B |
| Q1 2025 | 108.84% | 92.94% | $77.7M | $1.33B |
| Q2 2025 | 111.38% | 92.27% | $83.6M | $1.45B |
| Q3 2025 | 111.95% | 92.02% | $62.1M | $1.50B |
| Q4 2025 | 110.83% | 91.99% | $82.0M | $1.44B |
| Q1 2026 | 110.28% | 91.73% | $69.3M | $1.41B |
| Q2 2026 | 113.03% | 91.39% | $74.1M | $1.59B |
Salem Five Cents Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Salem Five Cents Savings 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 Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23296) · FFIEC NIC profile (RSSD 618807)