Journey 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: 66.8% lower than in Q1 2026, at $20.0M. Within Pennsylvania, Journey Bank is 60th of 109 on loan-to-deposit ratio, 84.20% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Journey Bank sits 4.00 points lower, at 84.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $346.7M |
| 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 | $6.5M |
| Other borrowed money | $17.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.20% |
| Net loans and leases to deposits | 83.48% |
| Loans and leases to core deposits | 90.58% |
| Core deposits to total deposits | 92.96% |
| 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 | 86.80% | 97.34% | $199.1M | $25.3M |
| Q4 2023 | 92.80% | 92.22% | $189.5M | $133.4M |
| Q1 2024 | 89.04% | 92.46% | $121.9M | $69.5M |
| Q2 2024 | 86.96% | 92.78% | $77.3M | $77.6M |
| Q3 2024 | 86.33% | 92.13% | $73.0M | $60.5M |
| Q4 2024 | 87.19% | 92.86% | $49.8M | $74.1M |
| Q1 2025 | 85.56% | 92.90% | $27.7M | $50.4M |
| Q2 2025 | 85.17% | 93.10% | $18.1M | $45.5M |
| Q3 2025 | 83.82% | 93.97% | $16.9M | $40.5M |
| Q4 2025 | 83.38% | 93.74% | $12.5M | $40.6M |
| Q1 2026 | 81.12% | 92.72% | $10.7M | $40.6M |
| Q2 2026 | 84.20% | 92.96% | $6.5M | $17.8M |
Journey Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Journey 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 Journey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 686) · FFIEC NIC profile (RSSD 881012)