First National Bank & Trust Company of Newtown: 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: 100.0% lower than in Q1 2026, at $0. First National Bank & Trust Company of Newtown has the 4th lowest loan-to-deposit ratio of the 109 banks headquartered in Pennsylvania, at 50.79% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First National Bank & Trust Company of Newtown sits 37.41 points lower, at 50.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $580.4M |
| 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 | $33.2M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.79% |
| Net loans and leases to deposits | 50.42% |
| Loans and leases to core deposits | 50.89% |
| Core deposits to total deposits | 99.79% |
| 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 | 41.29% | 99.74% | $42.5M | $0 |
| Q4 2023 | 43.20% | 99.76% | $62.9M | $0 |
| Q1 2024 | 44.20% | 99.75% | $37.7M | $30.0M |
| Q2 2024 | 44.49% | 99.76% | $35.9M | $30.0M |
| Q3 2024 | 47.65% | 99.74% | $79.0M | $30.0M |
| Q4 2024 | 48.80% | 99.74% | $62.8M | $40.0M |
| Q1 2025 | 48.62% | 99.78% | $40.2M | $40.0M |
| Q2 2025 | 48.70% | 99.78% | $34.3M | $40.0M |
| Q3 2025 | 52.55% | 99.75% | $64.6M | $40.0M |
| Q4 2025 | 52.77% | 99.78% | $34.3M | $40.0M |
| Q1 2026 | 52.26% | 99.78% | $31.4M | $40.0M |
| Q2 2026 | 50.79% | 99.79% | $33.2M | $0 |
First National Bank & Trust Company of Newtown liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust Company of Newtown, 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 National Bank & Trust Company of Newtown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7658) · FFIEC NIC profile (RSSD 1007417)