Thomaston Savings 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: 42.2% higher than in Q1 2026, at $66.8M. Thomaston Savings Bank ranks 21st of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 84.81% (Q2 2026). Thomaston Savings Bank reported 84.81% on loan-to-deposit ratio for Q2 2026, 3.39 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $66.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $408.3M |
| 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 | $46.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.81% |
| Net loans and leases to deposits | 83.97% |
| Loans and leases to core deposits | 93.79% |
| Core deposits to total deposits | 90.04% |
| Brokered deposits to total deposits | 0.39% |
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 | 75.52% | 91.54% | $0 | $79.1M |
| Q4 2023 | 78.50% | 91.20% | $0 | $79.1M |
| Q1 2024 | 79.90% | 89.76% | $0 | $79.1M |
| Q2 2024 | 79.91% | 89.83% | $0 | $79.1M |
| Q3 2024 | 80.89% | 89.77% | $0 | $79.1M |
| Q4 2024 | 81.82% | 90.00% | $0 | $69.1M |
| Q1 2025 | 82.36% | 90.14% | $0 | $69.1M |
| Q2 2025 | 82.45% | 89.34% | $0 | $69.1M |
| Q3 2025 | 84.42% | 88.74% | $0 | $59.1M |
| Q4 2025 | 85.43% | 88.88% | $0 | $56.8M |
| Q1 2026 | 85.64% | 89.70% | $0 | $46.8M |
| Q2 2026 | 84.81% | 90.04% | $0 | $46.8M |
Thomaston Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Thomaston Savings 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 Thomaston Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18258) · FFIEC NIC profile (RSSD 120609)