The Pleasants County 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 dropped 74.2% in Q2 2026, from $4.5M to $1.2M. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Pleasants County Bank is 33rd of 41 on loan-to-deposit ratio, 65.83% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; The Pleasants County Bank reported 65.83% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.3M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 1.37% |
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 | 65.83% |
| Net loans and leases to deposits | 65.24% |
| Loans and leases to core deposits | 75.02% |
| Core deposits to total deposits | 87.74% |
| 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 | 56.19% | 89.39% | $0 | $0 |
| Q4 2023 | 55.38% | 89.65% | $0 | $0 |
| Q1 2024 | 53.76% | 89.17% | $0 | $0 |
| Q2 2024 | 55.66% | 89.09% | $0 | $0 |
| Q3 2024 | 55.89% | 84.80% | $0 | $0 |
| Q4 2024 | 58.92% | 85.46% | $0 | $0 |
| Q1 2025 | 57.83% | 87.06% | $0 | $0 |
| Q2 2025 | 62.95% | 86.24% | $0 | $0 |
| Q3 2025 | 63.59% | 86.44% | $0 | $0 |
| Q4 2025 | 64.50% | 87.22% | $0 | $0 |
| Q1 2026 | 62.98% | 87.82% | $0 | $0 |
| Q2 2026 | 65.83% | 87.74% | $0 | $0 |
The Pleasants County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pleasants County 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 Pleasants County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 847) · FFIEC NIC profile (RSSD 8631)