Winchester 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.31 percentage points higher than in Q1 2026, at 127.57%. Winchester Savings Bank ranks 13th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 107.11% (Q2 2026). Winchester Savings Bank reported 107.11% on loan-to-deposit ratio for Q2 2026, 18.91 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 | $60.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $176.3M |
| 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 | $158.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.11% |
| Net loans and leases to deposits | 106.53% |
| Loans and leases to core deposits | 127.57% |
| Core deposits to total deposits | 82.52% |
| Brokered deposits to total deposits | 1.45% |
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 | 107.58% | 80.68% | $0 | $98.2M |
| Q4 2023 | 108.33% | 79.04% | $0 | $116.2M |
| Q1 2024 | 108.22% | 79.57% | $0 | $125.1M |
| Q2 2024 | 107.56% | 78.34% | $0 | $129.5M |
| Q3 2024 | 110.46% | 78.55% | $0 | $142.9M |
| Q4 2024 | 109.95% | 78.53% | $0 | $145.5M |
| Q1 2025 | 103.72% | 80.17% | $0 | $131.0M |
| Q2 2025 | 110.79% | 79.70% | $0 | $147.0M |
| Q3 2025 | 110.76% | 81.57% | $0 | $164.0M |
| Q4 2025 | 106.98% | 82.30% | $0 | $143.6M |
| Q1 2026 | 106.86% | 82.73% | $0 | $146.9M |
| Q2 2026 | 107.11% | 82.52% | $0 | $158.2M |
Winchester Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Winchester 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 Winchester Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90308) · FFIEC NIC profile (RSSD 899008)