Armstrong County Building and Loan Association: 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.
Loans and leases to core deposits climbed 4.32 percentage points in Q2 2026, from 90.48% to 94.79%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Armstrong County Building and Loan Association is 74th of 109 on loan-to-deposit ratio, 79.80% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Armstrong County Building and Loan Association sits 11.87 points higher, at 79.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.1M |
| 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 | $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 | 79.80% |
| Net loans and leases to deposits | 79.35% |
| Loans and leases to core deposits | 94.79% |
| Core deposits to total deposits | 84.18% |
| 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 | 67.06% | 84.13% | $0 | $1.0M |
| Q4 2023 | 68.89% | 84.48% | $0 | $1.0M |
| Q1 2024 | 68.84% | 84.44% | $0 | $1.0M |
| Q2 2024 | 70.41% | 83.79% | $0 | $2.0M |
| Q3 2024 | 76.12% | 83.30% | $0 | $5.2M |
| Q4 2024 | 74.89% | 83.70% | $0 | $5.2M |
| Q1 2025 | 74.13% | 83.86% | $0 | $3.0M |
| Q2 2025 | 76.48% | 83.61% | $0 | $2.0M |
| Q3 2025 | 78.37% | 83.41% | $0 | $2.0M |
| Q4 2025 | 77.47% | 83.83% | $0 | $0 |
| Q1 2026 | 76.47% | 84.52% | $0 | $0 |
| Q2 2026 | 79.80% | 84.18% | $0 | $0 |
Armstrong County Building and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Armstrong County Building and Loan Association, 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 Armstrong County Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29471) · FFIEC NIC profile (RSSD 269571)