South Shore 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 2.16 percentage points in Q2 2026, from 85.11% to 87.27%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, South Shore Bank is 78th of 89 on loan-to-deposit ratio, 76.75% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. South Shore Bank sits 11.45 points lower, at 76.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $739.4M |
| 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 | $31.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.75% |
| Net loans and leases to deposits | 76.05% |
| Loans and leases to core deposits | 87.27% |
| Core deposits to total deposits | 87.93% |
| Brokered deposits to total deposits | 0.02% |
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 | 75.97% | 91.83% | $0 | $36.9M |
| Q4 2023 | 77.20% | 91.15% | $0 | $55.6M |
| Q1 2024 | 76.45% | 90.11% | $0 | $39.1M |
| Q2 2024 | 77.80% | 89.06% | $0 | $31.3M |
| Q3 2024 | 76.36% | 87.20% | $0 | $32.0M |
| Q4 2024 | 78.07% | 87.78% | $0 | $30.1M |
| Q1 2025 | 77.60% | 87.65% | $0 | $34.2M |
| Q2 2025 | 74.91% | 88.19% | $0 | $41.1M |
| Q3 2025 | 75.76% | 87.49% | $0 | $38.7M |
| Q4 2025 | 76.27% | 87.28% | $0 | $36.3M |
| Q1 2026 | 74.65% | 87.69% | $0 | $34.0M |
| Q2 2026 | 76.75% | 87.93% | $0 | $31.8M |
South Shore Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock South Shore 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 South Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90303) · FFIEC NIC profile (RSSD 772008)