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 Loans and leases to core deposits: 7.82 percentage points higher than in Q1 2026, at 77.81%. Within Mississippi, Bank of Commerce is 39th of 57 on loan-to-deposit ratio, 65.73% 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. Bank of Commerce sits 22.47 points lower, at 65.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $161.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $404.4M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.73% |
| Net loans and leases to deposits | 65.22% |
| Loans and leases to core deposits | 77.81% |
| Core deposits to total deposits | 84.44% |
| Brokered deposits to total deposits | 0.63% |
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 | 61.44% | 85.33% | $0 | $3.0M |
| Q4 2023 | 62.84% | 87.14% | $0 | $1.0M |
| Q1 2024 | 60.68% | 87.45% | $0 | $0 |
| Q2 2024 | 64.41% | 87.10% | $0 | $0 |
| Q3 2024 | 63.85% | 86.24% | $0 | $0 |
| Q4 2024 | 60.27% | 87.04% | $0 | $0 |
| Q1 2025 | 61.58% | 86.53% | $0 | $0 |
| Q2 2025 | 62.04% | 86.65% | $0 | $0 |
| Q3 2025 | 63.50% | 86.46% | $0 | $0 |
| Q4 2025 | 60.79% | 86.70% | $0 | $0 |
| Q1 2026 | 61.12% | 87.29% | $0 | $0 |
| Q2 2026 | 65.73% | 84.44% | $0 | $0 |
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 9359) · FFIEC NIC profile (RSSD 99442)