Sharon 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.
Loans and leases to core deposits dropped 4.75 percentage points in Q2 2026, from 106.01% to 101.26%. It was the largest change from Q1 2026 among the key lines here. Sharon Bank ranks 36th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 93.07% (Q2 2026). Sharon Bank reported 93.07% on loan-to-deposit ratio for Q2 2026, 12.23 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 | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.6M |
| 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 | 3.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.07% |
| Net loans and leases to deposits | 92.16% |
| Loans and leases to core deposits | 101.26% |
| Core deposits to total deposits | 91.91% |
| 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 | 89.12% | 95.22% | $0 | $15.0M |
| Q4 2023 | 89.73% | 92.60% | $0 | $11.0M |
| Q1 2024 | 83.54% | 92.61% | $0 | $6.0M |
| Q2 2024 | 85.51% | 91.83% | $0 | $5.0M |
| Q3 2024 | 89.26% | 92.09% | $0 | $4.0M |
| Q4 2024 | 93.31% | 91.65% | $0 | $9.0M |
| Q1 2025 | 94.56% | 91.91% | $0 | $9.0M |
| Q2 2025 | 93.90% | 91.78% | $0 | $5.0M |
| Q3 2025 | 100.89% | 91.27% | $0 | $9.5M |
| Q4 2025 | 100.23% | 91.82% | $0 | $6.5M |
| Q1 2026 | 97.20% | 91.69% | $0 | $9.5M |
| Q2 2026 | 93.07% | 91.91% | $0 | $6.0M |
Sharon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sharon 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 Sharon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28793) · FFIEC NIC profile (RSSD 164377)