Mauch Chunk 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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 18.5% lower than in Q1 2026, at $1.1M. On loan-to-deposit ratio, Mauch Chunk Trust Company is 3rd from the bottom among 109 Pennsylvania banks, 48.98% (Q2 2026). Mauch Chunk Trust Company reported 48.98% on loan-to-deposit ratio for Q2 2026, 31.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $306.8M |
| Fed funds sold and reverse repos | $24.5M |
| Fed funds sold and reverse repos to assets | 3.81% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.1M |
| Other borrowed money | $24.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.98% |
| Net loans and leases to deposits | 48.20% |
| Loans and leases to core deposits | 50.56% |
| Core deposits to total deposits | 90.07% |
| Brokered deposits to total deposits | 6.80% |
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 | 45.78% | 95.06% | $3.9M | $79.1M |
| Q4 2023 | 46.18% | 94.69% | $3.4M | $72.3M |
| Q1 2024 | 43.88% | 87.64% | $2.1M | $60.4M |
| Q2 2024 | 44.08% | 88.12% | $2.6M | $48.5M |
| Q3 2024 | 43.72% | 88.55% | $3.9M | $36.6M |
| Q4 2024 | 44.91% | 88.41% | $3.3M | $30.5M |
| Q1 2025 | 46.07% | 88.47% | $2.5M | $30.5M |
| Q2 2025 | 44.56% | 89.07% | $1.3M | $24.5M |
| Q3 2025 | 45.97% | 88.87% | $940K | $24.5M |
| Q4 2025 | 46.39% | 88.78% | $1.4M | $24.5M |
| Q1 2026 | 48.05% | 88.62% | $1.3M | $24.5M |
| Q2 2026 | 48.98% | 90.07% | $1.1M | $24.5M |
Mauch Chunk Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mauch Chunk 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 Mauch Chunk Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2359) · FFIEC NIC profile (RSSD 857811)