PCSB 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.
Fed funds sold and reverse repos dropped 63.3% in Q2 2026, from $16.2M to $6.0M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, PCSB Bank is 189th of 225 on loan-to-deposit ratio, 61.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. PCSB Bank sits 19.54 points lower, at 61.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.4M |
| Cash and noninterest-bearing balances to assets | 9.65% |
| Cash and securities | $138.9M |
| Fed funds sold and reverse repos | $6.0M |
| Fed funds sold and reverse repos to assets | 1.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.02% |
| Net loans and leases to deposits | 60.34% |
| Loans and leases to core deposits | 67.42% |
| Core deposits to total deposits | 90.50% |
| 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 | 60.91% | 91.16% | $0 | $0 |
| Q4 2023 | 60.45% | 92.12% | $0 | $0 |
| Q1 2024 | 59.40% | 91.39% | $0 | $0 |
| Q2 2024 | 59.30% | 91.30% | $0 | $0 |
| Q3 2024 | 57.90% | 91.65% | $0 | $0 |
| Q4 2024 | 56.21% | 91.70% | $0 | $0 |
| Q1 2025 | 57.80% | 91.29% | $0 | $0 |
| Q2 2025 | 60.26% | 90.22% | $0 | $0 |
| Q3 2025 | 58.92% | 90.14% | $0 | $0 |
| Q4 2025 | 59.10% | 91.13% | $0 | $0 |
| Q1 2026 | 58.45% | 91.01% | $0 | $0 |
| Q2 2026 | 61.02% | 90.50% | $0 | $0 |
PCSB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock PCSB 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 PCSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14522) · FFIEC NIC profile (RSSD 188449)