Savers 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.
Loans and leases to core deposits dropped 1.50 percentage points in Q2 2026, from 129.48% to 127.98%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Savers Co-Operative Bank is 9th of 89 on loan-to-deposit ratio, 108.89% 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. Savers Co-Operative Bank sits 28.05 points higher, at 108.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $132.3M |
| 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 | $131.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.89% |
| Net loans and leases to deposits | 107.40% |
| Loans and leases to core deposits | 127.98% |
| Core deposits to total deposits | 79.10% |
| Brokered deposits to total deposits | 5.98% |
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 | 96.86% | 91.56% | $0 | $91.4M |
| Q4 2023 | 101.72% | 89.34% | $0 | $109.2M |
| Q1 2024 | 100.16% | 89.13% | $0 | $104.1M |
| Q2 2024 | 104.06% | 88.03% | $0 | $124.7M |
| Q3 2024 | 103.57% | 83.17% | $0 | $123.5M |
| Q4 2024 | 106.50% | 82.90% | $0 | $133.5M |
| Q1 2025 | 104.62% | 84.07% | $0 | $127.3M |
| Q2 2025 | 111.12% | 83.37% | $0 | $151.4M |
| Q3 2025 | 108.24% | 76.72% | $0 | $136.7M |
| Q4 2025 | 111.20% | 79.97% | $0 | $149.7M |
| Q1 2026 | 109.52% | 78.08% | $0 | $141.7M |
| Q2 2026 | 108.89% | 79.10% | $0 | $131.9M |
Savers 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 Savers 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 Savers Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26455) · FFIEC NIC profile (RSSD 1002373)