Penn Community 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 Loans and leases to core deposits: 1.79 percentage points higher than in Q1 2026, at 97.07%. Penn Community Bank ranks 43rd of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 90.31% (Q2 2026). At 90.31%, Penn Community Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $127.5M |
| Cash and noninterest-bearing balances to assets | 4.15% |
| Cash and securities | $698.7M |
| 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 | $237.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.75% |
| Trading liabilities | $283K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.31% |
| Net loans and leases to deposits | 89.46% |
| Loans and leases to core deposits | 97.07% |
| Core deposits to total deposits | 90.56% |
| Brokered deposits to total deposits | 2.48% |
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 | 87.38% | 90.54% | $0 | $406.2M |
| Q4 2023 | 88.55% | 89.44% | $0 | $394.3M |
| Q1 2024 | 86.83% | 89.15% | $0 | $376.3M |
| Q2 2024 | 86.12% | 89.35% | $0 | $405.6M |
| Q3 2024 | 84.91% | 88.43% | $0 | $330.6M |
| Q4 2024 | 83.17% | 87.92% | $0 | $305.6M |
| Q1 2025 | 86.60% | 89.46% | $0 | $262.8M |
| Q2 2025 | 85.99% | 89.75% | $0 | $247.8M |
| Q3 2025 | 91.05% | 89.82% | $0 | $260.4M |
| Q4 2025 | 87.32% | 89.26% | $0 | $249.8M |
| Q1 2026 | 88.59% | 89.69% | $0 | $229.8M |
| Q2 2026 | 90.31% | 90.56% | $0 | $237.8M |
Penn Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Penn Community 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 Penn Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30401) · FFIEC NIC profile (RSSD 328777)