Bank of Commerce: 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 Cash and balances due from depository institutions: 40.3% lower than in Q1 2026, at $24.7M. Bank of Commerce ranks 91st of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 76.08% (Q2 2026). Bank of Commerce reported 76.08% on loan-to-deposit ratio for Q2 2026, 4.76 points below 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 | $24.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $143.7M |
| 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 | $9.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.08% |
| Net loans and leases to deposits | 75.19% |
| Loans and leases to core deposits | 86.29% |
| Core deposits to total deposits | 88.16% |
| 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 | 72.63% | 91.71% | $1.6M | $8.3M |
| Q4 2023 | 71.28% | 91.59% | $0 | $8.3M |
| Q1 2024 | 73.16% | 90.47% | $0 | $7.6M |
| Q2 2024 | 74.50% | 89.78% | $0 | $7.6M |
| Q3 2024 | 76.40% | 88.58% | $1.0M | $7.0M |
| Q4 2024 | 73.81% | 88.66% | $0 | $7.0M |
| Q1 2025 | 74.18% | 88.49% | $0 | $6.4M |
| Q2 2025 | 75.98% | 88.12% | $600K | $6.4M |
| Q3 2025 | 75.27% | 88.14% | $0 | $5.8M |
| Q4 2025 | 74.42% | 88.37% | $0 | $5.8M |
| Q1 2026 | 74.34% | 88.60% | $0 | $10.4M |
| Q2 2026 | 76.08% | 88.16% | $0 | $9.4M |
Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26217) · FFIEC NIC profile (RSSD 862057)