Unibank for Savings: 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 Loans and leases to core deposits: 6.16 percentage points lower than in Q1 2026, at 88.19%. Within Massachusetts, Unibank for Savings is 73rd of 89 on loan-to-deposit ratio, 83.62% as of Q2 2026, below the middle of the field. Unibank for Savings reported 83.62% on loan-to-deposit ratio for Q2 2026, 4.58 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 | $328.5M |
| Cash and noninterest-bearing balances to assets | 10.56% |
| Cash and securities | $910.9M |
| Fed funds sold and reverse repos | $52K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $269.6M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $1.8M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.62% |
| Net loans and leases to deposits | 82.44% |
| Loans and leases to core deposits | 88.19% |
| Core deposits to total deposits | 94.82% |
| Brokered deposits to total deposits | 14.80% |
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 | 87.90% | 88.30% | $95.9M | $0 |
| Q4 2023 | 88.59% | 86.73% | $77.7M | $26.5M |
| Q1 2024 | 85.28% | 88.35% | $126.8M | $0 |
| Q2 2024 | 81.18% | 90.40% | $121.1M | $0 |
| Q3 2024 | 90.04% | 92.54% | $165.4M | $0 |
| Q4 2024 | 95.06% | 87.27% | $203.2M | $27.0M |
| Q1 2025 | 91.14% | 93.97% | $224.7M | $0 |
| Q2 2025 | 84.68% | 94.15% | $231.5M | $0 |
| Q3 2025 | 92.87% | 94.43% | $274.5M | $0 |
| Q4 2025 | 99.33% | 94.25% | $256.3M | $84.5M |
| Q1 2026 | 89.38% | 94.73% | $294.2M | $0 |
| Q2 2026 | 83.62% | 94.82% | $269.6M | $0 |
Unibank for Savings liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank for Savings, 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 Unibank for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90290) · FFIEC NIC profile (RSSD 709602)