Reliance Savings 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 68.4% lower than in Q1 2026, at $1.1M. Within Pennsylvania, Reliance Savings Bank is 28th of 109 on loan-to-deposit ratio, 98.27% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Reliance Savings Bank sits 17.43 points higher, at 98.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.3M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $27.0M |
| Other borrowed money | $22.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.27% |
| Net loans and leases to deposits | 97.36% |
| Loans and leases to core deposits | 104.85% |
| Core deposits to total deposits | 93.72% |
| 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 | 82.49% | 92.50% | $18.9M | $29.2M |
| Q4 2023 | 81.81% | 92.19% | $17.4M | $26.7M |
| Q1 2024 | 84.04% | 93.04% | $20.5M | $24.6M |
| Q2 2024 | 87.23% | 92.92% | $27.2M | $22.1M |
| Q3 2024 | 85.89% | 92.63% | $27.9M | $19.0M |
| Q4 2024 | 85.52% | 94.79% | $28.4M | $16.4M |
| Q1 2025 | 90.84% | 95.21% | $33.9M | $12.9M |
| Q2 2025 | 94.73% | 95.16% | $33.7M | $23.1M |
| Q3 2025 | 95.70% | 93.66% | $34.4M | $25.4M |
| Q4 2025 | 90.95% | 93.50% | $31.1M | $24.4M |
| Q1 2026 | 94.02% | 94.19% | $32.7M | $24.1M |
| Q2 2026 | 98.27% | 93.72% | $27.0M | $22.0M |
Reliance Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance Savings 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 Reliance Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30117) · FFIEC NIC profile (RSSD 743679)