First National Bank of Pennsylvania: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
First National Bank of Pennsylvania reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $2.52B in Q3 2026, up 4.5% from $2.41B in Q3 2025. That is 4.8% of its total assets. Across the 12 quarters shown it ranged from $1.48B (Q1 2024) to $2.65B (Q1 2026).
Trading liabilities climbed 47.1% in Q3 2026, from $191.0M to $280.9M. It was the largest change from Q2 2026 among the key lines here. First National Bank of Pennsylvania ranks 46th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 91.75% (Q3 2026). First National Bank of Pennsylvania reported 91.75% on loan-to-deposit ratio for Q3 2026, 5.79 points above the 85.97% median for banks in the $10B-100B asset tier.
Liquid assets
Cash and balances due from depository institutions changed the most here, up 5.9% to $2.52B in Q3 2026 from $2.38B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.52B |
| Cash and noninterest-bearing balances to assets | 4.85% |
| Cash and securities | $10.67B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $862.7M |
| Other borrowed money | $3.02B |
| Subordinated notes and debentures | $420.0M |
| Other borrowed money to assets | 5.81% |
| Trading liabilities | $280.9M |
Funding structure
Loans and leases to core deposits moved most in this table, down 0.78 points: 96.54% in Q2 2026, 95.76% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 91.75% |
| Net loans and leases to deposits | 90.62% |
| Loans and leases to core deposits | 95.76% |
| Core deposits to total deposits | 91.85% |
| Brokered deposits to total deposits | 3.97% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 93.25% | 92.93% | $492.9M | $3.10B |
| Q1 2024 | 93.08% | 92.41% | $517.2M | $2.79B |
| Q2 2024 | 95.69% | 92.38% | $499.2M | $4.24B |
| Q3 2024 | 91.22% | 91.78% | $501.8M | $2.68B |
| Q4 2024 | 89.57% | 92.38% | $534.9M | $2.33B |
| Q1 2025 | 90.11% | 92.56% | $806.7M | $2.27B |
| Q2 2025 | 90.50% | 92.39% | $857.7M | $2.33B |
| Q3 2025 | 90.42% | 92.30% | $908.6M | $2.06B |
| Q4 2025 | 90.11% | 92.69% | $835.9M | $2.15B |
| Q1 2026 | 90.10% | 92.32% | $1.02B | $2.20B |
| Q2 2026 | 92.17% | 91.84% | $650.5M | $3.10B |
| Q3 2026 | 91.75% | 91.85% | $862.7M | $3.02B |
First National Bank of Pennsylvania liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First National Bank of Pennsylvania profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 7888) · FFIEC NIC profile (RSSD 379920)