Enterprise 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: 4.84 percentage points lower than in Q1 2026, at 89.56%. Within Pennsylvania, Enterprise Bank is 55th of 109 on loan-to-deposit ratio, 86.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Enterprise Bank sits 5.63 points higher, at 86.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $134.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $134.0M |
| 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 | $64.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.46% |
| Net loans and leases to deposits | 86.19% |
| Loans and leases to core deposits | 89.56% |
| Core deposits to total deposits | 55.87% |
| Brokered deposits to total deposits | 41.31% |
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 | 104.82% | 61.58% | $0 | $70.7M |
| Q4 2023 | 102.18% | 58.17% | $0 | $63.7M |
| Q1 2024 | 102.03% | 54.81% | $0 | $55.7M |
| Q2 2024 | 100.51% | 50.54% | $0 | $55.7M |
| Q3 2024 | 96.93% | 48.61% | $0 | $63.2M |
| Q4 2024 | 91.05% | 44.54% | $0 | $63.2M |
| Q1 2025 | 89.53% | 45.88% | $0 | $58.2M |
| Q2 2025 | 89.31% | 51.38% | $0 | $58.2M |
| Q3 2025 | 84.90% | 56.15% | $0 | $58.2M |
| Q4 2025 | 86.72% | 54.90% | $0 | $58.2M |
| Q1 2026 | 90.46% | 53.43% | $0 | $64.5M |
| Q2 2026 | 86.46% | 55.87% | $0 | $64.5M |
Enterprise Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise 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 Enterprise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34786) · FFIEC NIC profile (RSSD 2730431)