Pendleton Community Bank, Inc.: 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 climbed 58.5% in Q2 2026, from $25.4M to $40.2M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Pendleton Community Bank, Inc. ranks 4th highest among the 41 banks headquartered in West Virginia, at 99.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pendleton Community Bank, Inc. sits 18.21 points higher, at 99.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.8M |
| 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 | $6.1M |
| Other borrowed money | $40.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.04% |
| Net loans and leases to deposits | 98.19% |
| Loans and leases to core deposits | 105.04% |
| Core deposits to total deposits | 93.74% |
| Brokered deposits to total deposits | 0.55% |
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 | 93.52% | 92.84% | $229K | $55.7M |
| Q4 2023 | 95.23% | 94.54% | $150K | $52.5M |
| Q1 2024 | 93.08% | 92.19% | $85K | $52.5M |
| Q2 2024 | 93.22% | 92.95% | $85K | $48.0M |
| Q3 2024 | 92.73% | 92.28% | $84K | $42.8M |
| Q4 2024 | 94.12% | 93.05% | $85K | $39.3M |
| Q1 2025 | 91.57% | 94.13% | $84K | $26.0M |
| Q2 2025 | 93.79% | 94.51% | $82K | $25.9M |
| Q3 2025 | 92.47% | 94.63% | $81K | $25.7M |
| Q4 2025 | 97.57% | 94.76% | $2.7M | $30.5M |
| Q1 2026 | 97.72% | 94.74% | $8.2M | $25.4M |
| Q2 2026 | 99.04% | 93.74% | $6.1M | $40.2M |
Pendleton Community Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pendleton Community Bank, Inc., 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 Pendleton Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6176) · FFIEC NIC profile (RSSD 370020)