The Pittsfield Co-operative Bank: Liquidity and Borrowings
BankRegReports is independent of The Pittsfield Co-operative Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, The Pittsfield Co-operative 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 $12.9M in Q3 2026, up 20.2% from $10.8M in Q3 2025. That is 2.8% of its total assets. Across the 12 quarters shown it ranged from $3.4M (Q4 2023) to $32.5M (Q2 2025).
The standout move of Q3 2026 was in Fed funds sold and reverse repos: 90.1% higher than in Q2 2026, at $4.0M. The Pittsfield Co-operative Bank ranks 19th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 104.41% (Q3 2026). The median for banks in the $100M-1B asset tier is 81.45% on loan-to-deposit ratio. The Pittsfield Co-operative Bank sits 22.96 points higher, at 104.41% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.0M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 0.87% |
Get an email when The Pittsfield Co-operative Bank files its next quarter, and see its liquidity and borrowings against peers in the terminal. Free account, no card.
Borrowed funds
Other borrowed money to assets moved most in this table, down 1.13 points: 14.52% in Q2 2026, 13.39% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $61.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.39% |
| Trading liabilities | $0 |
Funding structure
Brokered deposits to total deposits moved most in this table, up 2.71 points: 4.58% in Q2 2026, 7.29% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 104.41% |
| Net loans and leases to deposits | 103.71% |
| Loans and leases to core deposits | 117.71% |
| Core deposits to total deposits | 81.41% |
| Brokered deposits to total deposits | 7.29% |
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 | 90.91% | 85.31% | $0 | $35.7M |
| Q1 2024 | 88.93% | 84.94% | $0 | $27.1M |
| Q2 2024 | 93.87% | 84.14% | $0 | $36.1M |
| Q3 2024 | 90.78% | 79.20% | $0 | $49.1M |
| Q4 2024 | 90.95% | 80.61% | $0 | $39.1M |
| Q1 2025 | 92.74% | 80.35% | $0 | $48.1M |
| Q2 2025 | 92.16% | 78.79% | $0 | $51.6M |
| Q3 2025 | 98.20% | 80.60% | $0 | $47.6M |
| Q4 2025 | 102.39% | 82.84% | $0 | $59.6M |
| Q1 2026 | 103.05% | 82.47% | $0 | $63.6M |
| Q2 2026 | 105.66% | 83.40% | $0 | $65.6M |
| Q3 2026 | 104.41% | 81.41% | $0 | $61.6M |
The Pittsfield Co-operative 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 Pittsfield Co-operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)