Stoughton 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 32.2% higher than in Q1 2026, at $11.0M. Within Massachusetts, Stoughton Co-Operative Bank is 49th of 89 on loan-to-deposit ratio, 92.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Stoughton Co-Operative Bank sits 11.22 points higher, at 92.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.8M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.17% |
| Net loans and leases to deposits | 91.54% |
| Loans and leases to core deposits | 113.36% |
| Core deposits to total deposits | 81.30% |
| 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 | 88.16% | 90.17% | $0 | $2.0M |
| Q4 2023 | 89.30% | 89.48% | $0 | $2.0M |
| Q1 2024 | 88.99% | 88.36% | $0 | $2.0M |
| Q2 2024 | 89.46% | 85.03% | $0 | $2.0M |
| Q3 2024 | 88.78% | 83.84% | $0 | $3.0M |
| Q4 2024 | 87.98% | 83.19% | $0 | $3.0M |
| Q1 2025 | 90.48% | 82.69% | $0 | $3.0M |
| Q2 2025 | 92.02% | 81.81% | $0 | $3.0M |
| Q3 2025 | 92.31% | 82.34% | $0 | $5.0M |
| Q4 2025 | 93.31% | 82.63% | $0 | $5.0M |
| Q1 2026 | 94.25% | 81.69% | $0 | $5.0M |
| Q2 2026 | 92.17% | 81.30% | $0 | $5.0M |
Stoughton 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 Stoughton 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 Stoughton Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26513) · FFIEC NIC profile (RSSD 164975)