Atlantic Community Bankers 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.
Fed funds sold and reverse repos climbed 144.9% in Q2 2026, from $13.6M to $33.3M. It was the largest change from Q1 2026 among the key lines here. Atlantic Community Bankers Bank ranks 13th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 104.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Atlantic Community Bankers Bank sits 23.20 points higher, at 104.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $98.9M |
| Cash and noninterest-bearing balances to assets | 6.96% |
| Cash and securities | $298.6M |
| Fed funds sold and reverse repos | $33.3M |
| Fed funds sold and reverse repos to assets | 3.54% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $125.5M |
| Other borrowed money | $81.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.04% |
| Net loans and leases to deposits | 102.36% |
| Loans and leases to core deposits | 104.23% |
| Core deposits to total deposits | 88.95% |
| Brokered deposits to total deposits | 10.87% |
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 | 91.20% | 98.57% | $115.9M | $64.0M |
| Q4 2023 | 90.49% | 90.47% | $125.1M | $63.4M |
| Q1 2024 | 92.92% | 90.40% | $140.1M | $62.8M |
| Q2 2024 | 94.51% | 90.73% | $145.6M | $62.2M |
| Q3 2024 | 95.58% | 90.70% | $159.5M | $61.7M |
| Q4 2024 | 98.24% | 90.53% | $126.3M | $61.2M |
| Q1 2025 | 96.94% | 90.87% | $148.4M | $61.0M |
| Q2 2025 | 101.16% | 91.03% | $136.4M | $90.7M |
| Q3 2025 | 95.57% | 90.76% | $137.7M | $65.5M |
| Q4 2025 | 98.20% | 92.47% | $122.8M | $80.2M |
| Q1 2026 | 98.91% | 89.41% | $111.8M | $57.0M |
| Q2 2026 | 104.04% | 88.95% | $125.5M | $81.7M |
Atlantic Community Bankers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Atlantic Community Bankers 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 Atlantic Community Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24829) · FFIEC NIC profile (RSSD 959715)