The Pennsville National 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.
Loans and leases to core deposits climbed 3.94 percentage points in Q2 2026, from 48.77% to 52.71%. It was the largest change from Q1 2026 among the key lines here. The Pennsville National Bank ranks 43rd of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 52.24% (Q2 2026). The Pennsville National Bank reported 52.24% on loan-to-deposit ratio for Q2 2026, 28.70 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $143.8M |
| 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 | $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 | 52.24% |
| Net loans and leases to deposits | 51.71% |
| Loans and leases to core deposits | 52.71% |
| Core deposits to total deposits | 99.11% |
| 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 | 31.29% | 99.22% | $0 | $0 |
| Q4 2023 | 31.08% | 99.33% | $0 | $0 |
| Q1 2024 | 33.45% | 99.33% | $0 | $0 |
| Q2 2024 | 35.87% | 99.43% | $0 | $0 |
| Q3 2024 | 38.54% | 99.28% | $0 | $0 |
| Q4 2024 | 40.04% | 99.32% | $0 | $0 |
| Q1 2025 | 40.29% | 99.23% | $0 | $0 |
| Q2 2025 | 43.63% | 99.21% | $0 | $0 |
| Q3 2025 | 45.60% | 99.21% | $0 | $0 |
| Q4 2025 | 49.38% | 99.23% | $0 | $0 |
| Q1 2026 | 48.40% | 99.25% | $0 | $0 |
| Q2 2026 | 52.24% | 99.11% | $0 | $0 |
The Pennsville National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pennsville National 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 The Pennsville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19978) · FFIEC NIC profile (RSSD 828110)