Somerset Trust Company: 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 purchased and repos climbed 15.3% in Q2 2026, from $29.5M to $34.0M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Somerset Trust Company is 71st of 109 on loan-to-deposit ratio, 81.30% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Somerset Trust Company sits 6.90 points lower, at 81.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.9M |
| Cash and noninterest-bearing balances to assets | 1.90% |
| Cash and securities | $687.4M |
| 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 | $34.0M |
| Other borrowed money | $211.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.30% |
| Net loans and leases to deposits | 80.22% |
| Loans and leases to core deposits | 84.66% |
| Core deposits to total deposits | 92.65% |
| Brokered deposits to total deposits | 3.38% |
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 | 75.27% | 93.50% | $26.6M | $134.5M |
| Q4 2023 | 80.69% | 92.86% | $26.4M | $222.2M |
| Q1 2024 | 81.06% | 92.23% | $26.4M | $223.7M |
| Q2 2024 | 79.61% | 91.76% | $28.4M | $236.7M |
| Q3 2024 | 79.78% | 92.28% | $33.4M | $236.7M |
| Q4 2024 | 82.00% | 93.92% | $29.9M | $228.7M |
| Q1 2025 | 80.72% | 93.25% | $28.8M | $236.2M |
| Q2 2025 | 81.52% | 91.94% | $27.8M | $226.2M |
| Q3 2025 | 79.78% | 91.46% | $32.7M | $197.7M |
| Q4 2025 | 80.29% | 91.76% | $34.6M | $187.2M |
| Q1 2026 | 80.74% | 92.16% | $29.5M | $205.0M |
| Q2 2026 | 81.30% | 92.65% | $34.0M | $211.0M |
Somerset Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Somerset Trust Company, 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 Somerset Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11112) · FFIEC NIC profile (RSSD 212522)