The 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.
Fed funds sold and reverse repos climbed 62.3% in Q2 2026, from $5.8M to $9.4M. It was the largest change from Q1 2026 among the key lines here. The Bank of Commerce has the highest loan-to-deposit ratio of the 10 banks headquartered in Idaho, 91.42% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Bank of Commerce sits 3.22 points higher, at 91.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $154.0M |
| Cash and noninterest-bearing balances to assets | 6.16% |
| Cash and securities | $520.8M |
| Fed funds sold and reverse repos | $9.4M |
| Fed funds sold and reverse repos to assets | 0.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $50.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.42% |
| Net loans and leases to deposits | 89.97% |
| Loans and leases to core deposits | 107.08% |
| Core deposits to total deposits | 85.38% |
| 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 | 77.67% | 89.27% | $0 | $50.0M |
| Q4 2023 | 77.03% | 88.52% | $0 | $50.0M |
| Q1 2024 | 78.92% | 87.43% | $0 | $50.0M |
| Q2 2024 | 81.33% | 86.75% | $0 | $50.0M |
| Q3 2024 | 79.52% | 86.17% | $0 | $50.0M |
| Q4 2024 | 79.20% | 86.22% | $0 | $50.0M |
| Q1 2025 | 76.81% | 85.35% | $0 | $50.0M |
| Q2 2025 | 84.80% | 85.08% | $0 | $50.0M |
| Q3 2025 | 81.95% | 85.18% | $0 | $50.0M |
| Q4 2025 | 86.02% | 85.51% | $0 | $0 |
| Q1 2026 | 88.53% | 85.33% | $0 | $0 |
| Q2 2026 | 91.42% | 85.38% | $0 | $50.0M |
The 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 The 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 The Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18059) · FFIEC NIC profile (RSSD 324863)