Webster Five Cents 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.
Compared with Q1 2026, Cash and balances due from depository institutions fell 3.6% in Q2 2026 to $29.0M, the biggest move on this page. Within Massachusetts, Webster Five Cents Savings Bank is 35th of 89 on loan-to-deposit ratio, 97.79% as of Q2 2026, above the middle of the field. Webster Five Cents Savings Bank reported 97.79% on loan-to-deposit ratio for Q2 2026, 9.59 points above 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 | $29.0M |
| Cash and noninterest-bearing balances to assets | 2.15% |
| Cash and securities | $264.5M |
| Fed funds sold and reverse repos | $845K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $135.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.79% |
| Net loans and leases to deposits | 97.01% |
| Loans and leases to core deposits | 100.52% |
| Core deposits to total deposits | 95.28% |
| Brokered deposits to total deposits | 2.00% |
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 | 96.14% | 94.97% | $0 | $93.9M |
| Q4 2023 | 100.48% | 94.74% | $0 | $143.4M |
| Q1 2024 | 100.37% | 94.90% | $0 | $137.4M |
| Q2 2024 | 100.07% | 95.15% | $0 | $130.4M |
| Q3 2024 | 100.12% | 94.14% | $0 | $135.4M |
| Q4 2024 | 102.78% | 93.66% | $0 | $162.9M |
| Q1 2025 | 101.61% | 93.94% | $0 | $156.9M |
| Q2 2025 | 101.36% | 94.44% | $0 | $160.4M |
| Q3 2025 | 98.79% | 95.55% | $0 | $147.1M |
| Q4 2025 | 100.28% | 95.20% | $0 | $140.9M |
| Q1 2026 | 97.93% | 95.30% | $0 | $132.4M |
| Q2 2026 | 97.79% | 95.28% | $0 | $135.4M |
Webster Five Cents Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Webster Five Cents 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 Webster Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90297) · FFIEC NIC profile (RSSD 765505)