SSB 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 Loans and leases to core deposits: 3.70 percentage points higher than in Q1 2026, at 80.01%. Within Pennsylvania, SSB Bank is 84th of 109 on loan-to-deposit ratio, 76.85% as of Q2 2026. SSB Bank reported 76.85% on loan-to-deposit ratio for Q2 2026, 3.71 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $115.4M |
| Cash and noninterest-bearing balances to assets | 26.80% |
| Cash and securities | $121.4M |
| 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 | $0 |
| Other borrowed money | $19.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.85% |
| Net loans and leases to deposits | 76.04% |
| Loans and leases to core deposits | 80.01% |
| Core deposits to total deposits | 91.27% |
| Brokered deposits to total deposits | 4.91% |
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 | 94.19% | 89.24% | $0 | $22.1M |
| Q4 2023 | 99.26% | 88.87% | $0 | $22.1M |
| Q1 2024 | 99.56% | 89.01% | $0 | $22.1M |
| Q2 2024 | 101.47% | 88.79% | $0 | $22.2M |
| Q3 2024 | 96.32% | 87.47% | $0 | $24.9M |
| Q4 2024 | 99.08% | 86.98% | $0 | $19.9M |
| Q1 2025 | 93.37% | 89.12% | $0 | $24.0M |
| Q2 2025 | 87.63% | 94.42% | $0 | $24.0M |
| Q3 2025 | 86.93% | 91.06% | $0 | $19.0M |
| Q4 2025 | 88.10% | 91.06% | $0 | $19.0M |
| Q1 2026 | 73.75% | 91.85% | $0 | $19.0M |
| Q2 2026 | 76.85% | 91.27% | $0 | $19.0M |
SSB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SSB 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 SSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30431) · FFIEC NIC profile (RSSD 277277)