Orrstown 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 Fed funds purchased and repos: 60.6% lower than in Q1 2026, at $7.6M. Within Pennsylvania, Orrstown Bank is 48th of 109 on loan-to-deposit ratio, 89.03% 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; Orrstown Bank reported 89.03% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $144.8M |
| Cash and noninterest-bearing balances to assets | 2.58% |
| Cash and securities | $1.09B |
| 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 | $7.6M |
| Other borrowed money | $274.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.90% |
| Trading liabilities | $10.0M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.03% |
| Net loans and leases to deposits | 88.02% |
| Loans and leases to core deposits | 92.01% |
| Core deposits to total deposits | 94.65% |
| Brokered deposits to total deposits | 2.11% |
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 | 88.83% | 96.67% | $18.0M | $157.2M |
| Q4 2023 | 89.56% | 96.25% | $9.8M | $137.5M |
| Q1 2024 | 85.02% | 96.59% | $12.1M | $115.0M |
| Q2 2024 | 86.53% | 96.36% | $14.6M | $115.0M |
| Q3 2024 | 85.39% | 96.15% | $21.9M | $115.4M |
| Q4 2024 | 84.87% | 96.14% | $25.9M | $115.4M |
| Q1 2025 | 83.47% | 96.25% | $23.1M | $100.3M |
| Q2 2025 | 86.85% | 96.39% | $30.0M | $136.3M |
| Q3 2025 | 87.75% | 94.52% | $32.5M | $209.2M |
| Q4 2025 | 88.82% | 94.56% | $24.5M | $274.7M |
| Q1 2026 | 87.76% | 94.62% | $19.3M | $206.7M |
| Q2 2026 | 89.03% | 94.65% | $7.6M | $274.8M |
Orrstown Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Orrstown 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 Orrstown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 713) · FFIEC NIC profile (RSSD 342410)