The 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.
Other borrowed money climbed 72.5% in Q2 2026, from $20.0M to $34.5M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, The Savings Bank is 71st of 89 on loan-to-deposit ratio, 84.22% as of Q2 2026, below the middle of the field. The Savings Bank reported 84.22% on loan-to-deposit ratio for Q2 2026, 3.38 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 | $10.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $193.9M |
| 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 | $34.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.22% |
| Net loans and leases to deposits | 83.58% |
| Loans and leases to core deposits | 101.20% |
| Core deposits to total deposits | 78.77% |
| Brokered deposits to total deposits | 4.45% |
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 | 80.06% | 83.66% | $0 | $0 |
| Q4 2023 | 81.85% | 82.90% | $0 | $3.0M |
| Q1 2024 | 78.67% | 83.73% | $0 | $8.0M |
| Q2 2024 | 83.20% | 83.94% | $0 | $22.0M |
| Q3 2024 | 85.95% | 82.66% | $0 | $45.5M |
| Q4 2024 | 83.23% | 80.11% | $0 | $13.0M |
| Q1 2025 | 83.00% | 78.36% | $0 | $15.7M |
| Q2 2025 | 83.58% | 75.21% | $0 | $25.2M |
| Q3 2025 | 82.67% | 74.88% | $0 | $20.5M |
| Q4 2025 | 81.73% | 79.02% | $0 | $20.5M |
| Q1 2026 | 81.41% | 78.73% | $0 | $20.0M |
| Q2 2026 | 84.22% | 78.77% | $0 | $34.5M |
The Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90291) · FFIEC NIC profile (RSSD 711801)