Westfield 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: 55.9% lower than in Q1 2026, at $42.7M. Within Massachusetts, Westfield Bank is 53rd of 89 on loan-to-deposit ratio, 91.30% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Westfield Bank sits 3.10 points higher, at 91.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.7M |
| Cash and noninterest-bearing balances to assets | 1.16% |
| Cash and securities | $389.7M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 0.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $42.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.57% |
| Trading liabilities | $4.7M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.30% |
| Net loans and leases to deposits | 90.46% |
| Loans and leases to core deposits | 102.95% |
| Core deposits to total deposits | 88.69% |
| 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 | 92.45% | 90.87% | $0 | $130.1M |
| Q4 2023 | 94.40% | 90.79% | $0 | $136.7M |
| Q1 2024 | 94.33% | 90.49% | $0 | $132.1M |
| Q2 2024 | 93.15% | 89.99% | $0 | $134.8M |
| Q3 2024 | 92.05% | 89.74% | $0 | $132.7M |
| Q4 2024 | 91.40% | 89.67% | $0 | $103.4M |
| Q1 2025 | 89.25% | 90.16% | $0 | $102.5M |
| Q2 2025 | 89.75% | 90.38% | $0 | $102.0M |
| Q3 2025 | 90.63% | 90.09% | $0 | $101.0M |
| Q4 2025 | 92.41% | 90.41% | $0 | $86.3M |
| Q1 2026 | 92.34% | 89.52% | $0 | $96.8M |
| Q2 2026 | 91.30% | 88.69% | $0 | $42.7M |
Westfield Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Westfield 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 Westfield Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90300) · FFIEC NIC profile (RSSD 892205)