CNB 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 Loans and leases to core deposits: 2.30 percentage points higher than in Q1 2026, at 93.22%. Within Pennsylvania, CNB Bank is 41st of 109 on loan-to-deposit ratio, 90.60% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; CNB Bank reported 90.60% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 5.38% |
| Cash and securities | $1.36B |
| 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 | $182.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.60% |
| Net loans and leases to deposits | 89.69% |
| Loans and leases to core deposits | 93.22% |
| Core deposits to total deposits | 92.98% |
| Brokered deposits to total deposits | 4.22% |
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 | 87.82% | 92.87% | $0 | $0 |
| Q4 2023 | 87.42% | 93.98% | $0 | $0 |
| Q1 2024 | 86.05% | 93.99% | $0 | $0 |
| Q2 2024 | 85.75% | 94.55% | $0 | $0 |
| Q3 2024 | 86.12% | 94.65% | $0 | $0 |
| Q4 2024 | 84.01% | 94.29% | $0 | $0 |
| Q1 2025 | 82.70% | 94.20% | $0 | $15.0M |
| Q2 2025 | 84.79% | 94.18% | $0 | $17.9M |
| Q3 2025 | 92.01% | 93.52% | $0 | $189.5M |
| Q4 2025 | 90.95% | 93.67% | $0 | $181.9M |
| Q1 2026 | 88.50% | 93.16% | $0 | $181.9M |
| Q2 2026 | 90.60% | 92.98% | $0 | $182.0M |
CNB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB 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 CNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13876) · FFIEC NIC profile (RSSD 399517)