Commercial Bank & Trust of PA: 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 dropped 44.1% in Q2 2026, from $19.2M to $10.7M. It was the largest change from Q1 2026 among the key lines here. Commercial Bank & Trust of PA has the 8th lowest loan-to-deposit ratio of the 109 banks headquartered in Pennsylvania, at 54.05% as of Q2 2026. Commercial Bank & Trust of PA reported 54.05% on loan-to-deposit ratio for Q2 2026, 26.79 points below 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 | $4.8M |
| Cash and noninterest-bearing balances to assets | 1.34% |
| Cash and securities | $159.7M |
| 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 | $10.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.05% |
| Net loans and leases to deposits | 53.81% |
| Loans and leases to core deposits | 54.05% |
| Core deposits to total deposits | 100.00% |
| 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 | 57.37% | 100.00% | $0 | $24.1M |
| Q4 2023 | 58.91% | 100.00% | $0 | $25.3M |
| Q1 2024 | 58.40% | 100.00% | $0 | $21.6M |
| Q2 2024 | 61.47% | 100.00% | $0 | $40.3M |
| Q3 2024 | 59.74% | 100.00% | $0 | $39.7M |
| Q4 2024 | 60.17% | 100.00% | $0 | $38.7M |
| Q1 2025 | 58.74% | 100.00% | $0 | $29.7M |
| Q2 2025 | 58.88% | 100.00% | $0 | $32.9M |
| Q3 2025 | 57.05% | 100.00% | $0 | $28.7M |
| Q4 2025 | 55.63% | 100.00% | $0 | $17.5M |
| Q1 2026 | 55.67% | 100.00% | $0 | $19.2M |
| Q2 2026 | 54.05% | 100.00% | $0 | $10.7M |
Commercial Bank & Trust of PA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust of PA, 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 Commercial Bank & Trust of PA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14333) · FFIEC NIC profile (RSSD 945026)