Potomac Bank, Inc.: 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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 32.4% higher than in Q1 2026, at $3.0M. Potomac Bank, Inc. ranks 8th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 91.41% (Q2 2026). Potomac Bank, Inc. reported 91.41% on loan-to-deposit ratio for Q2 2026, 10.57 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 | $79.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $176.5M |
| 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 | $3.0M |
| Other borrowed money | $27.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.41% |
| Net loans and leases to deposits | 90.47% |
| Loans and leases to core deposits | 97.23% |
| Core deposits to total deposits | 94.01% |
| 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 | 90.49% | 89.62% | $5.3M | $7.4M |
| Q4 2023 | 88.13% | 92.66% | $2.8M | $7.3M |
| Q1 2024 | 86.22% | 94.06% | $3.7M | $7.2M |
| Q2 2024 | 89.91% | 93.83% | $3.0M | $7.2M |
| Q3 2024 | 91.74% | 93.40% | $3.5M | $32.0M |
| Q4 2024 | 93.52% | 93.74% | $3.2M | $32.0M |
| Q1 2025 | 93.02% | 93.68% | $3.1M | $29.9M |
| Q2 2025 | 93.35% | 93.78% | $2.8M | $29.8M |
| Q3 2025 | 88.19% | 93.61% | $3.0M | $29.7M |
| Q4 2025 | 92.78% | 93.62% | $2.5M | $29.9M |
| Q1 2026 | 89.91% | 93.93% | $2.2M | $27.8M |
| Q2 2026 | 91.41% | 94.01% | $3.0M | $27.7M |
Potomac Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Potomac Bank, Inc., 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 Potomac Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9023) · FFIEC NIC profile (RSSD 1014125)