First United National 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.
Loans and leases to core deposits climbed 2.66 percentage points in Q3 2026, from 60.80% to 63.46%. It was the largest change from Q2 2026 among the key lines here. First United National Bank has the 9th lowest loan-to-deposit ratio of the 109 banks headquartered in Pennsylvania, at 56.73% as of Q3 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First United National Bank sits 22.03 points lower, at 58.91% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $154.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 58.91% |
| Net loans and leases to deposits | 58.60% |
| Loans and leases to core deposits | 63.46% |
| Core deposits to total deposits | 92.83% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 57.87% | 93.76% | $0 | $17.0M |
| Q1 2024 | 56.03% | 92.65% | $0 | $4.0M |
| Q2 2024 | 56.97% | 93.20% | $0 | $0 |
| Q3 2024 | 55.48% | 92.43% | $0 | $0 |
| Q4 2024 | 57.62% | 92.56% | $0 | $0 |
| Q1 2025 | 57.46% | 92.41% | $0 | $0 |
| Q2 2025 | 58.97% | 92.54% | $0 | $0 |
| Q3 2025 | 59.32% | 92.25% | $0 | $0 |
| Q4 2025 | 58.35% | 92.06% | $0 | $0 |
| Q1 2026 | 58.43% | 92.96% | $0 | $0 |
| Q2 2026 | 56.73% | 93.30% | $0 | $0 |
| Q3 2026 | 58.91% | 92.83% | $0 | $0 |
First United National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First United National 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 United National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7886) · FFIEC NIC profile (RSSD 127224)