Somerville 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 31.6% lower than in Q1 2026, at $5.1M. Within Ohio, Somerville Bank is 98th of 156 on loan-to-deposit ratio, 76.77% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Somerville Bank sits 4.06 points lower, at 76.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.7M |
| Fed funds sold and reverse repos | $5.1M |
| Fed funds sold and reverse repos to assets | 1.74% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.77% |
| Net loans and leases to deposits | 75.93% |
| Loans and leases to core deposits | 86.17% |
| Core deposits to total deposits | 89.10% |
| 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 | 83.59% | 93.99% | $0 | $17.9M |
| Q4 2023 | 84.01% | 92.46% | $57K | $17.7M |
| Q1 2024 | 82.99% | 91.74% | $0 | $17.5M |
| Q2 2024 | 84.87% | 91.08% | $1.7M | $17.3M |
| Q3 2024 | 83.61% | 90.75% | $0 | $17.1M |
| Q4 2024 | 81.80% | 89.70% | $0 | $11.9M |
| Q1 2025 | 77.80% | 88.53% | $0 | $6.7M |
| Q2 2025 | 80.93% | 88.02% | $0 | $6.5M |
| Q3 2025 | 78.99% | 88.32% | $0 | $6.3M |
| Q4 2025 | 80.17% | 88.32% | $0 | $6.1M |
| Q1 2026 | 76.17% | 88.10% | $0 | $5.9M |
| Q2 2026 | 76.77% | 89.10% | $0 | $5.7M |
Somerville Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Somerville 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 Somerville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6700) · FFIEC NIC profile (RSSD 411624)