Central Penn Bank & Trust: 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 purchased and repos: 35.9% lower than in Q1 2026, at $1.3M. Central Penn Bank & Trust ranks 68th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 82.48% (Q2 2026). Central Penn Bank & Trust reported 82.48% on loan-to-deposit ratio for Q2 2026, 5.72 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $276.9M |
| Fed funds sold and reverse repos | $634K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.3M |
| Other borrowed money | $4.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.48% |
| Net loans and leases to deposits | 81.60% |
| Loans and leases to core deposits | 90.02% |
| Core deposits to total deposits | 91.63% |
| Brokered deposits to total deposits | 1.00% |
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 | 79.99% | 90.62% | $1.3M | $25.2M |
| Q4 2023 | 82.03% | 91.70% | $1.7M | $25.2M |
| Q1 2024 | 84.49% | 91.43% | $1.7M | $29.4M |
| Q2 2024 | 84.29% | 91.52% | $1.2M | $26.5M |
| Q3 2024 | 82.71% | 92.84% | $1.1M | $26.0M |
| Q4 2024 | 89.12% | 92.90% | $1.1M | $43.0M |
| Q1 2025 | 88.78% | 90.76% | $1.9M | $34.0M |
| Q2 2025 | 90.86% | 91.32% | $1.2M | $47.1M |
| Q3 2025 | 81.43% | 91.20% | $1.4M | $8.0M |
| Q4 2025 | 82.60% | 91.46% | $1.6M | $5.5M |
| Q1 2026 | 82.23% | 91.50% | $2.0M | $4.5M |
| Q2 2026 | 82.48% | 91.63% | $1.3M | $4.5M |
Central Penn Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Penn Bank & Trust, 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 Central Penn Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10685) · FFIEC NIC profile (RSSD 779016)