Mercer County State 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 Other borrowed money: 23.5% higher than in Q1 2026, at $27.3M. Within Pennsylvania, Mercer County State Bank is 85th of 109 on loan-to-deposit ratio, 76.57% 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. Mercer County State Bank sits 4.27 points lower, at 76.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $166.7M |
| 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 | $0 |
| Other borrowed money | $27.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.57% |
| Net loans and leases to deposits | 75.69% |
| Loans and leases to core deposits | 83.49% |
| Core deposits to total deposits | 91.72% |
| 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 | 71.58% | 94.01% | $0 | $21.9M |
| Q4 2023 | 74.36% | 93.99% | $0 | $35.4M |
| Q1 2024 | 74.41% | 93.68% | $0 | $30.9M |
| Q2 2024 | 78.31% | 93.81% | $0 | $45.2M |
| Q3 2024 | 76.96% | 94.23% | $0 | $38.6M |
| Q4 2024 | 79.40% | 94.02% | $0 | $47.4M |
| Q1 2025 | 77.77% | 93.62% | $0 | $40.4M |
| Q2 2025 | 74.38% | 93.04% | $0 | $30.3M |
| Q3 2025 | 73.46% | 91.15% | $0 | $27.1M |
| Q4 2025 | 75.69% | 91.08% | $0 | $27.1M |
| Q1 2026 | 75.26% | 90.68% | $0 | $22.1M |
| Q2 2026 | 76.57% | 91.72% | $0 | $27.3M |
Mercer County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer County State 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 Mercer County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 445) · FFIEC NIC profile (RSSD 866121)