The Neffs 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.
Other borrowed money dropped 9.8% in Q2 2026, from $26.6M to $24.0M. It was the largest change from Q1 2026 among the key lines here. The Neffs National Bank ranks 93rd of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 69.42% (Q2 2026). The Neffs National Bank reported 69.42% on loan-to-deposit ratio for Q2 2026, 11.42 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 | $5.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $202.4M |
| Fed funds sold and reverse repos | $263K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.42% |
| Net loans and leases to deposits | 68.80% |
| Loans and leases to core deposits | 74.87% |
| Core deposits to total deposits | 92.72% |
| 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 | 63.66% | 94.02% | $0 | $19.0M |
| Q4 2023 | 62.50% | 93.60% | $0 | $10.2M |
| Q1 2024 | 63.80% | 93.48% | $0 | $15.5M |
| Q2 2024 | 63.63% | 93.01% | $0 | $15.5M |
| Q3 2024 | 64.07% | 90.88% | $0 | $15.5M |
| Q4 2024 | 64.61% | 92.39% | $0 | $18.4M |
| Q1 2025 | 68.07% | 92.16% | $573K | $31.4M |
| Q2 2025 | 68.98% | 92.49% | $0 | $35.0M |
| Q3 2025 | 69.97% | 92.34% | $0 | $31.8M |
| Q4 2025 | 70.60% | 92.51% | $0 | $36.2M |
| Q1 2026 | 69.63% | 92.83% | $0 | $26.6M |
| Q2 2026 | 69.42% | 92.72% | $0 | $24.0M |
The Neffs 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 Neffs 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 Neffs National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7646) · FFIEC NIC profile (RSSD 144913)