Walpole Co-Operative 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.
Cash and balances due from depository institutions dropped 50.2% in Q2 2026, from $23.1M to $11.5M. It was the largest change from Q1 2026 among the key lines here. Among 89 Massachusetts banks, Walpole Co-Operative Bank sits 8th from the top on loan-to-deposit ratio, 109.28% as of Q2 2026. Walpole Co-Operative Bank reported 109.28% on loan-to-deposit ratio for Q2 2026, 28.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.6M |
| 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 | $11.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.28% |
| Net loans and leases to deposits | 107.87% |
| Loans and leases to core deposits | 149.37% |
| Core deposits to total deposits | 68.25% |
| Brokered deposits to total deposits | 4.91% |
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 | 114.11% | 78.18% | $0 | $31.4M |
| Q4 2023 | 110.12% | 77.16% | $0 | $27.4M |
| Q1 2024 | 108.04% | 76.41% | $0 | $40.4M |
| Q2 2024 | 107.83% | 75.40% | $0 | $40.4M |
| Q3 2024 | 109.21% | 74.83% | $0 | $40.5M |
| Q4 2024 | 104.89% | 68.84% | $0 | $12.5M |
| Q1 2025 | 104.49% | 68.79% | $0 | $12.5M |
| Q2 2025 | 108.70% | 67.92% | $0 | $22.5M |
| Q3 2025 | 107.43% | 68.01% | $0 | $17.0M |
| Q4 2025 | 107.28% | 68.86% | $0 | $12.0M |
| Q1 2026 | 106.82% | 69.02% | $0 | $12.0M |
| Q2 2026 | 109.28% | 68.25% | $0 | $11.8M |
Walpole Co-Operative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Walpole Co-Operative 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 Walpole Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26487) · FFIEC NIC profile (RSSD 63573)