Compass Savings 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.
Cash and balances due from depository institutions dropped 47.5% in Q2 2026, from $2.7M to $1.4M. It was the largest change from Q1 2026 among the key lines here. Compass Savings Bank ranks 12th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 104.34% (Q2 2026). Compass Savings Bank's loan-to-deposit ratio of 104.34% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 36.72 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.6M |
| 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 | $1.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.34% |
| Net loans and leases to deposits | 103.68% |
| Loans and leases to core deposits | 117.89% |
| Core deposits to total deposits | 88.50% |
| 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 | 115.83% | 88.33% | $0 | $8.2M |
| Q4 2023 | 112.70% | 87.49% | $0 | $7.8M |
| Q1 2024 | 105.68% | 87.82% | $0 | $5.0M |
| Q2 2024 | 102.06% | 87.45% | $0 | $2.5M |
| Q3 2024 | 99.76% | 86.94% | $0 | $2.5M |
| Q4 2024 | 100.67% | 86.67% | $0 | $2.5M |
| Q1 2025 | 101.38% | 86.00% | $0 | $2.5M |
| Q2 2025 | 99.88% | 86.91% | $0 | $2.5M |
| Q3 2025 | 96.89% | 86.99% | $0 | $2.5M |
| Q4 2025 | 104.09% | 87.61% | $0 | $2.5M |
| Q1 2026 | 102.08% | 89.14% | $0 | $1.5M |
| Q2 2026 | 104.34% | 88.50% | $0 | $1.2M |
Compass Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Compass Savings 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 Compass Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29430) · FFIEC NIC profile (RSSD 373272)