First Commonwealth 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 Other borrowed money: 3364.4% higher than in Q1 2026, at $123.4M. Within Pennsylvania, First Commonwealth Bank is 40th of 109 on loan-to-deposit ratio, 92.04% as of Q2 2026. First Commonwealth Bank reported 92.04% on loan-to-deposit ratio for Q2 2026, 5.17 points above the 86.87% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $173.7M |
| Cash and noninterest-bearing balances to assets | 1.43% |
| Cash and securities | $1.84B |
| 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 | $17.9M |
| Other borrowed money | $123.4M |
| Subordinated notes and debentures | $49.5M |
| Other borrowed money to assets | 1.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.04% |
| Net loans and leases to deposits | 90.81% |
| Loans and leases to core deposits | 95.46% |
| Core deposits to total deposits | 96.42% |
| 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 | 96.16% | 97.25% | $44.1M | $509.3M |
| Q4 2023 | 97.30% | 96.88% | $34.8M | $572.0M |
| Q1 2024 | 94.98% | 96.43% | $30.5M | $524.7M |
| Q2 2024 | 95.29% | 96.34% | $21.6M | $524.4M |
| Q3 2024 | 91.62% | 96.04% | $22.8M | $524.0M |
| Q4 2024 | 92.57% | 95.29% | $25.1M | $189.7M |
| Q1 2025 | 91.80% | 95.87% | $27.5M | $184.3M |
| Q2 2025 | 94.30% | 95.96% | $29.9M | $330.0M |
| Q3 2025 | 94.51% | 95.35% | $31.6M | $251.6M |
| Q4 2025 | 94.55% | 95.82% | $23.0M | $258.3M |
| Q1 2026 | 90.04% | 96.06% | $22.9M | $3.6M |
| Q2 2026 | 92.04% | 96.42% | $17.9M | $123.4M |
First Commonwealth Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commonwealth 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 Commonwealth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7468) · FFIEC NIC profile (RSSD 42420)