Elderton State 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 Fed funds sold and reverse repos: 69.9% higher than in Q1 2026, at $6.5M. On loan-to-deposit ratio, Elderton State Bank ranks 6th highest among the 109 banks headquartered in Pennsylvania, at 109.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Elderton State Bank sits 28.64 points higher, at 109.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.2M |
| Fed funds sold and reverse repos | $6.5M |
| Fed funds sold and reverse repos to assets | 1.39% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $48.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.48% |
| Net loans and leases to deposits | 108.08% |
| Loans and leases to core deposits | 127.09% |
| Core deposits to total deposits | 86.14% |
| Brokered deposits to total deposits | 0.56% |
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 | 105.42% | 91.23% | $0 | $23.3M |
| Q4 2023 | 102.90% | 90.26% | $0 | $25.3M |
| Q1 2024 | 102.28% | 89.69% | $0 | $24.3M |
| Q2 2024 | 102.76% | 89.92% | $0 | $24.3M |
| Q3 2024 | 101.17% | 87.87% | $0 | $23.3M |
| Q4 2024 | 102.40% | 87.16% | $0 | $21.3M |
| Q1 2025 | 103.11% | 86.86% | $0 | $27.3M |
| Q2 2025 | 105.10% | 87.05% | $0 | $32.2M |
| Q3 2025 | 106.84% | 88.19% | $0 | $36.7M |
| Q4 2025 | 106.76% | 87.07% | $0 | $42.7M |
| Q1 2026 | 106.98% | 86.90% | $0 | $38.5M |
| Q2 2026 | 109.48% | 86.14% | $0 | $48.5M |
Elderton State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Elderton State 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 Elderton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12985) · FFIEC NIC profile (RSSD 282824)