The Cooperative Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, The Cooperative Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $9.1M in Q3 2026, down 46.1% from $17.0M in Q3 2025. That is 1.7% of its total assets. Across the 12 quarters shown it ranged from $9.1M (Q3 2026) to $19.6M (Q1 2026).
Fed funds sold and reverse repos climbed 81.9% in Q3 2026, from $1.4M to $2.6M. It was the largest change from Q2 2026 among the key lines here. The Cooperative Bank ranks 22nd of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 103.72% (Q3 2026). The median for banks in the $100M-1B asset tier is 81.45% on loan-to-deposit ratio. The Cooperative Bank sits 22.27 points higher, at 103.72% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.4M |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 0.47% |
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Borrowed funds
Other borrowed money moved most in this table, up 12.8%: $39.0M in Q2 2026, $44.0M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $44.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.01% |
| Trading liabilities | $0 |
Funding structure
Largest change in this table: loans and leases to core deposits, up 2.51 points to 117.30% in Q3 2026 after 114.79% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 103.72% |
| Net loans and leases to deposits | 102.89% |
| Loans and leases to core deposits | 117.30% |
| Core deposits to total deposits | 88.42% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 107.74% | 84.07% | $0 | $72.0M |
| Q1 2024 | 104.61% | 84.97% | $0 | $59.5M |
| Q2 2024 | 106.55% | 85.53% | $0 | $66.3M |
| Q3 2024 | 105.54% | 85.04% | $0 | $65.4M |
| Q4 2024 | 102.81% | 85.21% | $0 | $47.0M |
| Q1 2025 | 102.32% | 85.96% | $0 | $44.0M |
| Q2 2025 | 101.17% | 86.79% | $0 | $42.0M |
| Q3 2025 | 100.48% | 86.49% | $0 | $38.0M |
| Q4 2025 | 100.38% | 86.77% | $0 | $37.1M |
| Q1 2026 | 98.46% | 88.63% | $0 | $32.0M |
| Q2 2026 | 101.22% | 88.18% | $0 | $39.0M |
| Q3 2026 | 103.72% | 88.42% | $0 | $44.0M |
The Cooperative Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Cooperative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26922) · FFIEC NIC profile (RSSD 714978)