The Bank of Commerce and 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.
Loans and leases to core deposits dropped 1.02 percentage points in Q2 2026, from 52.56% to 51.55%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Bank of Commerce and Trust Company is 17th from the bottom among 182 Kansas banks, 45.44% (Q2 2026). The Bank of Commerce and Trust Company reported 45.44% on loan-to-deposit ratio for Q2 2026, 35.40 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 | $12.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.2M |
| Fed funds sold and reverse repos | $8.1M |
| Fed funds sold and reverse repos to assets | 7.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.44% |
| Net loans and leases to deposits | 45.01% |
| Loans and leases to core deposits | 51.55% |
| Core deposits to total deposits | 86.24% |
| Brokered deposits to total deposits | 1.92% |
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 | 53.03% | 80.27% | $0 | $1.0M |
| Q4 2023 | 51.11% | 80.04% | $0 | $1.0M |
| Q1 2024 | 49.24% | 80.89% | $0 | $1.0M |
| Q2 2024 | 48.00% | 80.46% | $0 | $1.0M |
| Q3 2024 | 52.28% | 81.43% | $0 | $1.0M |
| Q4 2024 | 50.42% | 83.77% | $0 | $1.0M |
| Q1 2025 | 50.35% | 83.49% | $0 | $1.0M |
| Q2 2025 | 50.73% | 86.09% | $0 | $1.0M |
| Q3 2025 | 51.23% | 85.64% | $0 | $1.0M |
| Q4 2025 | 46.24% | 85.52% | $0 | $1.0M |
| Q1 2026 | 46.35% | 86.26% | $0 | $1.0M |
| Q2 2026 | 45.44% | 86.24% | $0 | $1.0M |
The Bank of Commerce and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Commerce and 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 The Bank of Commerce and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4796) · FFIEC NIC profile (RSSD 431350)