First Resource 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 Core deposits to total deposits: 2.68 percentage points higher than in Q1 2026, at 78.57%. Within Pennsylvania, First Resource Bank is 30th of 109 on loan-to-deposit ratio, 96.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Resource Bank sits 16.37 points higher, at 96.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $62.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.7M |
| 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 | $0 |
| Other borrowed money | $14.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.93% |
| Net loans and leases to deposits | 96.16% |
| Loans and leases to core deposits | 105.73% |
| Core deposits to total deposits | 78.57% |
| Brokered deposits to total deposits | 13.10% |
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 | 106.63% | 83.12% | $0 | $38.2M |
| Q4 2023 | 106.40% | 81.74% | $0 | $44.5M |
| Q1 2024 | 107.15% | 79.01% | $0 | $37.5M |
| Q2 2024 | 106.88% | 79.33% | $0 | $42.5M |
| Q3 2024 | 106.36% | 78.08% | $0 | $40.2M |
| Q4 2024 | 108.14% | 78.52% | $0 | $46.2M |
| Q1 2025 | 105.23% | 77.47% | $0 | $34.2M |
| Q2 2025 | 104.01% | 77.61% | $0 | $28.2M |
| Q3 2025 | 103.74% | 73.36% | $0 | $21.9M |
| Q4 2025 | 92.92% | 73.57% | $0 | $16.0M |
| Q1 2026 | 97.60% | 75.89% | $0 | $14.2M |
| Q2 2026 | 96.93% | 78.57% | $0 | $14.2M |
First Resource Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Resource 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 Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57967) · FFIEC NIC profile (RSSD 3349241)