County 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.
Loans and leases to core deposits climbed 0.76 percentage points in Q2 2026, from 97.43% to 98.19%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, County Bank ranks 3rd highest among the 16 banks headquartered in Delaware, at 89.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. County Bank sits 9.25 points higher, at 89.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $143.9M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.80% |
| Net loans and leases to deposits | 88.99% |
| Loans and leases to core deposits | 98.19% |
| Core deposits to total deposits | 91.45% |
| 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 | 80.90% | 96.52% | $5.0M | $10.0M |
| Q4 2023 | 82.78% | 96.17% | $0 | $20.0M |
| Q1 2024 | 85.62% | 95.06% | $0 | $20.0M |
| Q2 2024 | 82.46% | 94.38% | $0 | $10.0M |
| Q3 2024 | 82.14% | 94.11% | $0 | $0 |
| Q4 2024 | 85.54% | 93.91% | $0 | $0 |
| Q1 2025 | 87.16% | 93.78% | $0 | $30.0M |
| Q2 2025 | 87.22% | 93.02% | $0 | $5.0M |
| Q3 2025 | 88.43% | 92.87% | $0 | $0 |
| Q4 2025 | 88.16% | 91.56% | $0 | $0 |
| Q1 2026 | 89.05% | 91.40% | $0 | $0 |
| Q2 2026 | 89.80% | 91.45% | $0 | $0 |
County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33009) · FFIEC NIC profile (RSSD 1459735)