Wrentham Co-Operative 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 Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. On loan-to-deposit ratio, Wrentham Co-Operative Bank is 5th from the bottom among 89 Massachusetts banks, 67.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wrentham Co-Operative Bank sits 13.45 points lower, at 67.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.2M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.38% |
| Net loans and leases to deposits | 67.15% |
| Loans and leases to core deposits | 77.20% |
| Core deposits to total deposits | 87.28% |
| 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 | 72.22% | 86.45% | $0 | $0 |
| Q4 2023 | 70.98% | 86.19% | $0 | $0 |
| Q1 2024 | 66.31% | 85.78% | $0 | $0 |
| Q2 2024 | 66.06% | 82.69% | $0 | $0 |
| Q3 2024 | 67.32% | 82.35% | $0 | $0 |
| Q4 2024 | 67.47% | 84.28% | $0 | $0 |
| Q1 2025 | 65.73% | 84.37% | $0 | $0 |
| Q2 2025 | 67.79% | 84.68% | $0 | $0 |
| Q3 2025 | 69.13% | 84.18% | $0 | $0 |
| Q4 2025 | 66.04% | 84.61% | $0 | $0 |
| Q1 2026 | 63.36% | 85.56% | $0 | $0 |
| Q2 2026 | 67.38% | 87.28% | $0 | $0 |
Wrentham Co-Operative Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wrentham Co-Operative 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 Wrentham Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26576) · FFIEC NIC profile (RSSD 948278)