Winter Hill Bank, FSB: 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 Cash and balances due from depository institutions: 24.7% lower than in Q1 2026, at $23.5M. Within Massachusetts, Winter Hill Bank, FSB is 33rd of 89 on loan-to-deposit ratio, 99.69% as of Q2 2026, above the middle of the field. Winter Hill Bank, FSB reported 99.69% on loan-to-deposit ratio for Q2 2026, 18.86 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 | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.5M |
| 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 | $64.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.69% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.69% |
| Net loans and leases to deposits | 99.09% |
| Loans and leases to core deposits | 108.62% |
| Core deposits to total deposits | 88.23% |
| Brokered deposits to total deposits | 3.55% |
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 | 90.71% | 83.40% | $0 | $42.0M |
| Q4 2023 | 91.22% | 82.23% | $0 | $47.0M |
| Q1 2024 | 97.59% | 81.47% | $0 | $72.0M |
| Q2 2024 | 98.89% | 83.82% | $0 | $73.0M |
| Q3 2024 | 106.13% | 84.29% | $0 | $93.0M |
| Q4 2024 | 105.78% | 84.54% | $0 | $83.0M |
| Q1 2025 | 101.96% | 86.40% | $0 | $78.0M |
| Q2 2025 | 104.81% | 85.14% | $0 | $78.0M |
| Q3 2025 | 106.17% | 87.63% | $0 | $78.0M |
| Q4 2025 | 102.09% | 88.25% | $0 | $78.0M |
| Q1 2026 | 99.07% | 87.67% | $0 | $73.0M |
| Q2 2026 | 99.69% | 88.23% | $0 | $64.0M |
Winter Hill Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Winter Hill Bank, FSB, 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 Winter Hill Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28213) · FFIEC NIC profile (RSSD 822275)