Hometown Bank of Pennsylvania: 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 Loans and leases to core deposits: 3.85 percentage points higher than in Q1 2026, at 93.66%. Within Pennsylvania, Hometown Bank of Pennsylvania is 57th of 109 on loan-to-deposit ratio, 86.01% as of Q2 2026, below the middle of the field. Hometown Bank of Pennsylvania reported 86.01% on loan-to-deposit ratio for Q2 2026, 5.06 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.0M |
| Cash and noninterest-bearing balances to assets | 5.08% |
| Cash and securities | $90.1M |
| 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 | $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 | 86.01% |
| Net loans and leases to deposits | 85.25% |
| Loans and leases to core deposits | 93.66% |
| Core deposits to total deposits | 91.83% |
| 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 | 62.88% | 93.43% | $0 | $0 |
| Q4 2023 | 63.27% | 93.48% | $0 | $0 |
| Q1 2024 | 63.40% | 93.65% | $0 | $41.0M |
| Q2 2024 | 67.39% | 93.37% | $0 | $40.8M |
| Q3 2024 | 71.97% | 92.79% | $0 | $5.0M |
| Q4 2024 | 72.09% | 92.23% | $0 | $0 |
| Q1 2025 | 72.20% | 92.35% | $0 | $0 |
| Q2 2025 | 76.27% | 92.48% | $0 | $0 |
| Q3 2025 | 76.99% | 92.40% | $0 | $0 |
| Q4 2025 | 82.81% | 91.79% | $0 | $0 |
| Q1 2026 | 82.69% | 92.07% | $0 | $0 |
| Q2 2026 | 86.01% | 91.83% | $0 | $0 |
Hometown Bank of Pennsylvania liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank of Pennsylvania, 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 Hometown Bank of Pennsylvania profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58470) · FFIEC NIC profile (RSSD 3594087)