Ephrata National 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 58.3% in Q2 2026, from $89.1M to $37.1M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Ephrata National Bank is 67th of 109 on loan-to-deposit ratio, 82.70% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ephrata National Bank sits 5.50 points lower, at 82.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $605.0M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $131.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.70% |
| Net loans and leases to deposits | 81.79% |
| Loans and leases to core deposits | 86.18% |
| Core deposits to total deposits | 95.77% |
| Brokered deposits to total deposits | 0.19% |
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 | 80.29% | 95.62% | $0 | $101.4M |
| Q4 2023 | 78.65% | 94.52% | $0 | $104.0M |
| Q1 2024 | 80.18% | 94.31% | $0 | $99.7M |
| Q2 2024 | 78.86% | 94.41% | $0 | $94.9M |
| Q3 2024 | 77.76% | 91.41% | $0 | $90.3M |
| Q4 2024 | 75.70% | 91.35% | $0 | $146.2M |
| Q1 2025 | 76.35% | 91.49% | $0 | $141.6M |
| Q2 2025 | 77.25% | 91.10% | $0 | $138.8M |
| Q3 2025 | 78.69% | 91.08% | $0 | $133.4M |
| Q4 2025 | 79.30% | 92.85% | $0 | $130.3M |
| Q1 2026 | 79.51% | 92.82% | $0 | $122.9M |
| Q2 2026 | 82.70% | 95.77% | $0 | $131.7M |
Ephrata National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ephrata National 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 Ephrata National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7493) · FFIEC NIC profile (RSSD 425911)