Bank of Commerce & 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos to assets: 1.76 percentage points higher than in Q1 2026, at 2.02%. On loan-to-deposit ratio, Bank of Commerce & Trust Company is 2nd from the bottom among 103 Louisiana banks, 29.75% (Q2 2026). Bank of Commerce & Trust Company's loan-to-deposit ratio of 29.75% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 51.09 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $269.6M |
| Fed funds sold and reverse repos | $7.6M |
| Fed funds sold and reverse repos to assets | 2.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $9.2M |
| 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 | 29.75% |
| Net loans and leases to deposits | 29.57% |
| Loans and leases to core deposits | 33.55% |
| Core deposits to total deposits | 88.66% |
| 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 | 28.30% | 95.50% | $7.0M | $20.0M |
| Q4 2023 | 27.36% | 95.50% | $4.5M | $0 |
| Q1 2024 | 27.08% | 95.78% | $7.4M | $0 |
| Q2 2024 | 28.99% | 95.88% | $6.6M | $0 |
| Q3 2024 | 30.55% | 94.86% | $5.9M | $13.0M |
| Q4 2024 | 27.66% | 94.67% | $5.7M | $0 |
| Q1 2025 | 27.62% | 93.92% | $8.0M | $0 |
| Q2 2025 | 28.96% | 88.13% | $8.0M | $0 |
| Q3 2025 | 31.76% | 87.89% | $6.9M | $0 |
| Q4 2025 | 29.07% | 90.90% | $6.2M | $0 |
| Q1 2026 | 30.22% | 88.52% | $9.3M | $0 |
| Q2 2026 | 29.75% | 88.66% | $9.2M | $0 |
Bank of Commerce & Trust Company 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 & 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 Bank of Commerce & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10523) · FFIEC NIC profile (RSSD 476539)