S & T 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.
Other borrowed money climbed 124.0% in Q2 2026, from $100.8M to $225.8M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, S & T Bank is 21st of 109 on loan-to-deposit ratio, 99.22% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. S & T Bank sits 11.02 points higher, at 99.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $217.4M |
| Cash and noninterest-bearing balances to assets | 2.19% |
| Cash and securities | $1.23B |
| 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 | $225.8M |
| Subordinated notes and debentures | $25.0M |
| Other borrowed money to assets | 2.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.22% |
| Net loans and leases to deposits | 98.07% |
| Loans and leases to core deposits | 107.25% |
| Core deposits to total deposits | 92.51% |
| 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 | 103.78% | 93.30% | $0 | $669.4M |
| Q4 2023 | 101.47% | 90.37% | $0 | $454.3M |
| Q1 2024 | 100.44% | 90.24% | $0 | $324.2M |
| Q2 2024 | 100.00% | 90.86% | $0 | $314.0M |
| Q3 2024 | 100.00% | 91.73% | $0 | $289.0M |
| Q4 2024 | 98.98% | 90.99% | $0 | $200.9M |
| Q1 2025 | 98.76% | 91.30% | $0 | $145.9M |
| Q2 2025 | 99.60% | 90.82% | $0 | $200.9M |
| Q3 2025 | 100.16% | 90.60% | $0 | $185.8M |
| Q4 2025 | 101.28% | 90.41% | $0 | $215.8M |
| Q1 2026 | 96.83% | 91.43% | $0 | $100.8M |
| Q2 2026 | 99.22% | 92.51% | $0 | $225.8M |
S & T Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock S & T 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 S & T Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11124) · FFIEC NIC profile (RSSD 936426)