The Village 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 Other borrowed money: 296.5% higher than in Q1 2026, at $81.8M. The Village Bank ranks 44th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 94.53% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Village Bank sits 6.33 points higher, at 94.53% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.7M |
| Cash and noninterest-bearing balances to assets | 0.57% |
| Cash and securities | $312.3M |
| 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 | $81.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.53% |
| Net loans and leases to deposits | 94.05% |
| Loans and leases to core deposits | 125.32% |
| Core deposits to total deposits | 75.43% |
| 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 | 92.83% | 73.31% | $0 | $93.1M |
| Q4 2023 | 94.50% | 70.96% | $0 | $126.8M |
| Q1 2024 | 91.47% | 71.17% | $0 | $78.6M |
| Q2 2024 | 94.85% | 71.50% | $0 | $141.7M |
| Q3 2024 | 96.41% | 70.33% | $0 | $157.8M |
| Q4 2024 | 95.19% | 70.50% | $0 | $125.2M |
| Q1 2025 | 95.53% | 71.49% | $0 | $134.5M |
| Q2 2025 | 92.43% | 72.19% | $0 | $76.7M |
| Q3 2025 | 90.91% | 73.45% | $0 | $27.6M |
| Q4 2025 | 92.37% | 73.42% | $0 | $58.2M |
| Q1 2026 | 91.52% | 74.44% | $0 | $20.6M |
| Q2 2026 | 94.53% | 75.43% | $0 | $81.8M |
The Village Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Village 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 The Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26336) · FFIEC NIC profile (RSSD 173575)