Benchmark Community Bank: 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.
Cash and balances due from depository institutions climbed 19.2% in Q2 2026, from $94.1M to $112.1M. It was the largest change from Q1 2026 among the key lines here. Benchmark Community Bank ranks 21st of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 89.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Benchmark Community Bank reported 89.57% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $112.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $204.6M |
| 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 | 89.57% |
| Net loans and leases to deposits | 88.88% |
| Loans and leases to core deposits | 92.64% |
| Core deposits to total deposits | 96.69% |
| Brokered deposits to total deposits | 6.74% |
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 | 86.50% | 98.55% | $0 | $0 |
| Q4 2023 | 84.54% | 98.22% | $0 | $0 |
| Q1 2024 | 86.87% | 98.36% | $0 | $0 |
| Q2 2024 | 88.00% | 98.28% | $0 | $0 |
| Q3 2024 | 90.13% | 97.84% | $0 | $0 |
| Q4 2024 | 90.21% | 97.84% | $0 | $0 |
| Q1 2025 | 88.47% | 97.14% | $0 | $0 |
| Q2 2025 | 91.20% | 96.92% | $0 | $0 |
| Q3 2025 | 91.54% | 96.84% | $0 | $0 |
| Q4 2025 | 92.29% | 96.72% | $0 | $0 |
| Q1 2026 | 91.03% | 96.75% | $0 | $0 |
| Q2 2026 | 89.57% | 96.69% | $0 | $0 |
Benchmark Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Benchmark Community Bank, 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 Benchmark Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20484) · FFIEC NIC profile (RSSD 94522)