Hamlin Bank and Trust Company: 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.
Cash and balances due from depository institutions dropped 33.5% in Q2 2026, from $33.8M to $22.4M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Hamlin Bank and Trust Company is 78th of 109 on loan-to-deposit ratio, 78.25% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hamlin Bank and Trust Company sits 2.59 points lower, at 78.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $182.8M |
| 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 | $83K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.25% |
| Net loans and leases to deposits | 77.44% |
| Loans and leases to core deposits | 86.15% |
| Core deposits to total deposits | 90.83% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 81.97% | 95.71% | $0 | $18.1M |
| Q4 2023 | 85.08% | 94.77% | $0 | $23.1M |
| Q1 2024 | 87.35% | 93.47% | $0 | $13.1M |
| Q2 2024 | 87.22% | 93.52% | $0 | $8.6M |
| Q3 2024 | 87.51% | 92.87% | $0 | $9.1M |
| Q4 2024 | 87.44% | 92.62% | $0 | $6.1M |
| Q1 2025 | 84.28% | 92.74% | $0 | $97K |
| Q2 2025 | 83.43% | 92.69% | $0 | $94K |
| Q3 2025 | 83.70% | 91.79% | $0 | $91K |
| Q4 2025 | 81.32% | 91.90% | $0 | $89K |
| Q1 2026 | 77.77% | 91.41% | $0 | $86K |
| Q2 2026 | 78.25% | 90.83% | $0 | $83K |
Hamlin Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hamlin Bank and Trust Company, 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 Hamlin Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11113) · FFIEC NIC profile (RSSD 291611)