Phoenixville Federal Bank and Trust: 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 dropped 64.7% in Q2 2026, from $17.0M to $6.0M. It was the largest change from Q1 2026 among the key lines here. Phoenixville Federal Bank and Trust ranks 47th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 89.24% (Q2 2026). Phoenixville Federal Bank and Trust reported 89.24% on loan-to-deposit ratio for Q2 2026, 8.40 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.9M |
| 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 | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.24% |
| Net loans and leases to deposits | 88.24% |
| Loans and leases to core deposits | 94.84% |
| Core deposits to total deposits | 94.10% |
| 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 | 97.32% | 96.65% | $0 | $62.0M |
| Q4 2023 | 96.34% | 96.48% | $0 | $60.0M |
| Q1 2024 | 98.86% | 96.28% | $0 | $58.0M |
| Q2 2024 | 96.81% | 95.49% | $0 | $56.0M |
| Q3 2024 | 96.99% | 94.85% | $0 | $49.5M |
| Q4 2024 | 95.55% | 95.04% | $0 | $47.5M |
| Q1 2025 | 93.74% | 94.23% | $0 | $36.0M |
| Q2 2025 | 94.59% | 95.09% | $0 | $30.0M |
| Q3 2025 | 93.68% | 94.41% | $0 | $20.0M |
| Q4 2025 | 91.68% | 94.63% | $0 | $18.0M |
| Q1 2026 | 88.23% | 94.49% | $0 | $17.0M |
| Q2 2026 | 89.24% | 94.10% | $0 | $6.0M |
Phoenixville Federal Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Phoenixville Federal Bank and Trust, 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 Phoenixville Federal Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29995) · FFIEC NIC profile (RSSD 824671)