America's Community 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 Brokered deposits to total deposits: 1.92 percentage points lower than in Q1 2026, at 21.22%. On loan-to-deposit ratio, America's Community Bank ranks 4th highest among the 192 banks headquartered in Missouri, at 113.93% (Q2 2026). America's Community Bank's loan-to-deposit ratio of 113.93% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 46.31 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.3M |
| 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 | $8.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.93% |
| Net loans and leases to deposits | 112.36% |
| Loans and leases to core deposits | 130.71% |
| Core deposits to total deposits | 65.94% |
| Brokered deposits to total deposits | 21.22% |
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 | 110.21% | 72.37% | $203K | $0 |
| Q4 2023 | 111.40% | 70.49% | $189K | $0 |
| Q1 2024 | 101.66% | 69.31% | $0 | $2.5M |
| Q2 2024 | 108.65% | 69.70% | $0 | $2.8M |
| Q3 2024 | 105.67% | 67.81% | $0 | $3.0M |
| Q4 2024 | 109.17% | 68.02% | $0 | $3.6M |
| Q1 2025 | 106.18% | 66.03% | $0 | $3.9M |
| Q2 2025 | 111.97% | 68.92% | $0 | $4.9M |
| Q3 2025 | 118.60% | 65.70% | $0 | $6.2M |
| Q4 2025 | 123.85% | 67.25% | $0 | $9.2M |
| Q1 2026 | 113.64% | 64.72% | $0 | $9.3M |
| Q2 2026 | 113.93% | 65.94% | $0 | $8.6M |
America's Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock America's Community 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 America's Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8893) · FFIEC NIC profile (RSSD 440857)