Ameriserv Financial 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 Cash and balances due from depository institutions: 48.3% lower than in Q1 2026, at $27.9M. Within Pennsylvania, Ameriserv Financial Bank is 72nd of 109 on loan-to-deposit ratio, 80.37% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ameriserv Financial Bank sits 7.83 points lower, at 80.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $315.1M |
| 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 | $38.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.37% |
| Net loans and leases to deposits | 79.35% |
| Loans and leases to core deposits | 89.85% |
| Core deposits to total deposits | 89.45% |
| 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 | 88.56% | 92.67% | $0 | $88.2M |
| Q4 2023 | 89.36% | 92.96% | $0 | $88.2M |
| Q1 2024 | 87.11% | 92.82% | $0 | $63.7M |
| Q2 2024 | 88.67% | 92.68% | $0 | $88.3M |
| Q3 2024 | 87.29% | 92.15% | $0 | $69.0M |
| Q4 2024 | 88.82% | 92.03% | $0 | $73.4M |
| Q1 2025 | 87.24% | 92.41% | $0 | $65.8M |
| Q2 2025 | 85.88% | 89.23% | $0 | $54.2M |
| Q3 2025 | 83.85% | 88.84% | $0 | $50.6M |
| Q4 2025 | 82.66% | 88.68% | $0 | $47.1M |
| Q1 2026 | 81.11% | 88.92% | $0 | $43.3M |
| Q2 2026 | 80.37% | 89.45% | $0 | $38.6M |
Ameriserv Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameriserv Financial 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 Ameriserv Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7542) · FFIEC NIC profile (RSSD 928618)