Washington 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.
Cash and balances due from depository institutions climbed 50.3% in Q2 2026, from $7.2M to $10.8M. It was the largest change from Q1 2026 among the key lines here. Washington Savings Bank ranks 43rd of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 94.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Washington Savings Bank sits 14.14 points higher, at 94.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.7M |
| 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 | $21.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.97% |
| Net loans and leases to deposits | 94.35% |
| Loans and leases to core deposits | 112.58% |
| Core deposits to total deposits | 80.65% |
| Brokered deposits to total deposits | 3.71% |
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 | 96.98% | 83.09% | $0 | $17.3M |
| Q4 2023 | 101.18% | 82.04% | $0 | $28.2M |
| Q1 2024 | 100.36% | 84.12% | $0 | $28.2M |
| Q2 2024 | 100.13% | 82.90% | $0 | $28.2M |
| Q3 2024 | 100.03% | 82.53% | $0 | $28.2M |
| Q4 2024 | 102.01% | 81.91% | $0 | $31.8M |
| Q1 2025 | 103.56% | 82.35% | $0 | $36.0M |
| Q2 2025 | 103.17% | 81.65% | $0 | $37.0M |
| Q3 2025 | 102.62% | 82.03% | $0 | $35.9M |
| Q4 2025 | 99.80% | 80.88% | $0 | $35.8M |
| Q1 2026 | 97.94% | 79.85% | $0 | $26.1M |
| Q2 2026 | 94.97% | 80.65% | $0 | $21.8M |
Washington Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington 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 Washington Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90229) · FFIEC NIC profile (RSSD 654300)