Penncrest 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.
Compared with Q1 2026, Other borrowed money rose 6.7% in Q2 2026 to $6.4M, the biggest move on this page. Penncrest Bank ranks 88th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 74.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Penncrest Bank sits 6.07 points lower, at 74.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.3M |
| 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 | $6.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.59% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.48% |
| Net loans and leases to deposits | 74.36% |
| Loans and leases to core deposits | 77.67% |
| Core deposits to total deposits | 95.90% |
| 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 | 78.79% | 97.60% | $0 | $7.1M |
| Q4 2023 | 79.76% | 97.59% | $0 | $8.6M |
| Q1 2024 | 77.78% | 96.84% | $0 | $7.5M |
| Q2 2024 | 78.72% | 96.51% | $0 | $7.5M |
| Q3 2024 | 80.20% | 96.73% | $0 | $6.8M |
| Q4 2024 | 78.61% | 96.64% | $0 | $6.0M |
| Q1 2025 | 76.29% | 96.22% | $0 | $6.8M |
| Q2 2025 | 76.02% | 95.67% | $0 | $6.0M |
| Q3 2025 | 76.19% | 95.35% | $0 | $6.0M |
| Q4 2025 | 76.95% | 96.01% | $0 | $8.5M |
| Q1 2026 | 74.22% | 95.90% | $0 | $6.0M |
| Q2 2026 | 74.48% | 95.90% | $0 | $6.4M |
Penncrest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Penncrest 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 Penncrest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30119) · FFIEC NIC profile (RSSD 805876)