First Keystone 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 37.4% higher than in Q1 2026, at $188.0M. Within Pennsylvania, First Keystone Community Bank is 73rd of 109 on loan-to-deposit ratio, 80.16% as of Q2 2026. First Keystone Community Bank reported 80.16% on loan-to-deposit ratio for Q2 2026, 8.04 points below 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 | $188.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $557.0M |
| 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 | $35.6M |
| Other borrowed money | $206.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.16% |
| Net loans and leases to deposits | 79.42% |
| Loans and leases to core deposits | 85.65% |
| Core deposits to total deposits | 87.74% |
| Brokered deposits to total deposits | 5.85% |
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 | 87.77% | 93.08% | $17.7M | $159.1M |
| Q4 2023 | 91.95% | 90.19% | $19.7M | $255.8M |
| Q1 2024 | 91.84% | 89.49% | $31.8M | $256.5M |
| Q2 2024 | 93.04% | 90.37% | $27.1M | $270.2M |
| Q3 2024 | 91.06% | 89.73% | $32.4M | $237.0M |
| Q4 2024 | 90.27% | 86.89% | $32.9M | $207.5M |
| Q1 2025 | 91.81% | 86.10% | $32.4M | $213.9M |
| Q2 2025 | 90.40% | 85.55% | $29.6M | $206.0M |
| Q3 2025 | 80.04% | 83.38% | $32.9M | $206.0M |
| Q4 2025 | 83.05% | 84.97% | $36.8M | $206.0M |
| Q1 2026 | 82.11% | 87.55% | $36.1M | $206.0M |
| Q2 2026 | 80.16% | 87.74% | $35.6M | $206.0M |
First Keystone 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 Keystone 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 Keystone Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7404) · FFIEC NIC profile (RSSD 790918)