The Honesdale 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 30.5% lower than in Q1 2026, at $33.3M. The Honesdale National Bank ranks 37th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 92.97% (Q2 2026). The Honesdale National Bank reported 92.97% on loan-to-deposit ratio for Q2 2026, 4.77 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $203.4M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.97% |
| Net loans and leases to deposits | 91.28% |
| Loans and leases to core deposits | 103.38% |
| Core deposits to total deposits | 89.93% |
| 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 | 83.32% | 94.33% | $0 | $0 |
| Q4 2023 | 84.36% | 92.41% | $0 | $0 |
| Q1 2024 | 85.43% | 92.00% | $0 | $0 |
| Q2 2024 | 87.42% | 92.80% | $0 | $0 |
| Q3 2024 | 84.27% | 91.20% | $0 | $0 |
| Q4 2024 | 87.50% | 90.59% | $0 | $0 |
| Q1 2025 | 87.37% | 91.71% | $0 | $0 |
| Q2 2025 | 91.28% | 91.52% | $0 | $0 |
| Q3 2025 | 90.73% | 91.54% | $0 | $0 |
| Q4 2025 | 92.43% | 90.26% | $0 | $0 |
| Q1 2026 | 91.94% | 89.22% | $0 | $0 |
| Q2 2026 | 92.97% | 89.93% | $0 | $6.0M |
The Honesdale National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Honesdale 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 The Honesdale National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7526) · FFIEC NIC profile (RSSD 465618)