Meridian 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.
Cash and balances due from depository institutions climbed 28.1% in Q2 2026, from $28.3M to $36.2M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Meridian Bank is 17th of 109 on loan-to-deposit ratio, 101.49% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Meridian Bank sits 13.29 points higher, at 101.49% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $271.4M |
| 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 | $106.0M |
| Subordinated notes and debentures | $407K |
| Other borrowed money to assets | 4.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.49% |
| Net loans and leases to deposits | 100.52% |
| Loans and leases to core deposits | 103.47% |
| Core deposits to total deposits | 75.64% |
| Brokered deposits to total deposits | 22.44% |
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 | 105.29% | 76.38% | $0 | $178.0M |
| Q4 2023 | 105.18% | 74.90% | $0 | $174.9M |
| Q1 2024 | 104.39% | 73.46% | $0 | $145.8M |
| Q2 2024 | 106.50% | 73.72% | $947K | $182.3M |
| Q3 2024 | 103.83% | 72.79% | $0 | $143.4M |
| Q4 2024 | 102.71% | 73.46% | $0 | $119.5M |
| Q1 2025 | 98.50% | 74.86% | $0 | $134.9M |
| Q2 2025 | 101.79% | 74.42% | $0 | $134.3M |
| Q3 2025 | 102.57% | 75.08% | $0 | $134.3M |
| Q4 2025 | 101.89% | 76.24% | $0 | $115.8M |
| Q1 2026 | 102.16% | 75.72% | $0 | $120.8M |
| Q2 2026 | 101.49% | 75.64% | $0 | $106.0M |
Meridian Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Meridian 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 Meridian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57777) · FFIEC NIC profile (RSSD 3271799)