Pennian 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 climbed 97.0% in Q2 2026, from $1.7M to $3.3M. It was the largest change from Q1 2026 among the key lines here. Pennian Bank ranks 83rd of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 77.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pennian Bank sits 3.56 points lower, at 77.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.7M |
| Cash and noninterest-bearing balances to assets | 4.85% |
| Cash and securities | $188.1M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 0.50% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $34.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.28% |
| Net loans and leases to deposits | 76.35% |
| Loans and leases to core deposits | 82.50% |
| Core deposits to total deposits | 93.67% |
| 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 | 80.38% | 94.56% | $195K | $61.0M |
| Q4 2023 | 84.30% | 94.24% | $0 | $97.0M |
| Q1 2024 | 80.30% | 93.95% | $0 | $78.0M |
| Q2 2024 | 80.45% | 93.46% | $0 | $75.0M |
| Q3 2024 | 82.13% | 92.69% | $0 | $77.0M |
| Q4 2024 | 77.89% | 93.10% | $0 | $44.0M |
| Q1 2025 | 77.57% | 93.15% | $0 | $41.0M |
| Q2 2025 | 74.81% | 93.29% | $0 | $34.0M |
| Q3 2025 | 76.60% | 92.86% | $0 | $34.0M |
| Q4 2025 | 75.67% | 93.00% | $0 | $34.0M |
| Q1 2026 | 75.22% | 93.26% | $0 | $34.0M |
| Q2 2026 | 77.28% | 93.67% | $0 | $34.0M |
Pennian Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pennian 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 Pennian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7613) · FFIEC NIC profile (RSSD 212018)