The Apple Creek Banking Company: 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.
Other borrowed money climbed 25.0% in Q2 2026, from $2.0M to $2.5M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Apple Creek Banking Company is 30th of 156 on loan-to-deposit ratio, 95.61% as of Q2 2026, above the middle of the field. The Apple Creek Banking Company reported 95.61% on loan-to-deposit ratio for Q2 2026, 14.77 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 | $7.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.3M |
| 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 | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.61% |
| Net loans and leases to deposits | 94.76% |
| Loans and leases to core deposits | 98.95% |
| Core deposits to total deposits | 96.63% |
| 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 | 96.92% | 97.59% | $0 | $23.0M |
| Q4 2023 | 97.08% | 95.80% | $0 | $22.5M |
| Q1 2024 | 87.52% | 85.83% | $0 | $7.5M |
| Q2 2024 | 84.82% | 91.37% | $0 | $7.5M |
| Q3 2024 | 85.98% | 94.14% | $0 | $0 |
| Q4 2024 | 88.06% | 96.33% | $0 | $0 |
| Q1 2025 | 90.60% | 97.21% | $0 | $0 |
| Q2 2025 | 91.23% | 97.99% | $0 | $0 |
| Q3 2025 | 93.79% | 97.63% | $0 | $3.5M |
| Q4 2025 | 95.23% | 97.94% | $0 | $0 |
| Q1 2026 | 96.91% | 97.68% | $0 | $2.0M |
| Q2 2026 | 95.61% | 96.63% | $0 | $2.5M |
The Apple Creek Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Apple Creek Banking Company, 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 The Apple Creek Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 737) · FFIEC NIC profile (RSSD 213912)