First Citizens Community 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.
Other borrowed money climbed 132.0% in Q2 2026, from $155.7M to $361.1M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, First Citizens Community Bank is 20th of 109 on loan-to-deposit ratio, 100.13% as of Q2 2026, above the middle of the field. First Citizens Community Bank reported 100.13% on loan-to-deposit ratio for Q2 2026, 11.93 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.6M |
| Cash and noninterest-bearing balances to assets | 1.34% |
| Cash and securities | $534.1M |
| 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 | $15.5M |
| Other borrowed money | $361.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.13% |
| Net loans and leases to deposits | 99.15% |
| Loans and leases to core deposits | 107.54% |
| Core deposits to total deposits | 90.75% |
| Brokered deposits to total deposits | 2.35% |
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 | 96.68% | 92.88% | $17.7M | $254.6M |
| Q4 2023 | 97.10% | 91.31% | $18.0M | $265.0M |
| Q1 2024 | 97.42% | 90.41% | $16.8M | $227.7M |
| Q2 2024 | 99.60% | 89.82% | $17.9M | $280.2M |
| Q3 2024 | 95.53% | 86.51% | $17.1M | $178.4M |
| Q4 2024 | 97.33% | 88.22% | $17.3M | $246.0M |
| Q1 2025 | 97.97% | 89.89% | $19.0M | $249.6M |
| Q2 2025 | 98.22% | 91.82% | $15.1M | $271.1M |
| Q3 2025 | 97.26% | 92.07% | $18.1M | $234.4M |
| Q4 2025 | 99.05% | 91.75% | $15.5M | $266.8M |
| Q1 2026 | 93.74% | 88.68% | $15.8M | $155.7M |
| Q2 2026 | 100.13% | 90.75% | $15.5M | $361.1M |
First Citizens Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Citizens Community 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 First Citizens Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7593) · FFIEC NIC profile (RSSD 978118)