CB&S Bank, Inc.: 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 purchased and repos: 30.7% higher than in Q1 2026, at $6.1M. CB&S Bank, Inc. ranks 53rd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 66.06% (Q2 2026). CB&S Bank, Inc. reported 66.06% on loan-to-deposit ratio for Q2 2026, 22.14 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.11B |
| Fed funds sold and reverse repos | $59.8M |
| Fed funds sold and reverse repos to assets | 1.95% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.1M |
| Other borrowed money | $240.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.06% |
| Net loans and leases to deposits | 65.33% |
| Loans and leases to core deposits | 74.84% |
| Core deposits to total deposits | 86.96% |
| Brokered deposits to total deposits | 1.31% |
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 | 53.98% | 92.00% | $12.3M | $195.0M |
| Q4 2023 | 53.73% | 90.96% | $11.2M | $195.0M |
| Q1 2024 | 53.47% | 90.98% | $5.9M | $245.0M |
| Q2 2024 | 56.62% | 90.55% | $8.2M | $220.0M |
| Q3 2024 | 57.79% | 89.99% | $3.4M | $220.0M |
| Q4 2024 | 62.75% | 88.54% | $2.6M | $250.0M |
| Q1 2025 | 61.60% | 88.44% | $3.8M | $220.0M |
| Q2 2025 | 62.27% | 88.01% | $2.9M | $220.0M |
| Q3 2025 | 64.65% | 87.50% | $2.4M | $220.0M |
| Q4 2025 | 64.97% | 87.63% | $2.3M | $250.0M |
| Q1 2026 | 65.63% | 86.49% | $4.6M | $250.0M |
| Q2 2026 | 66.06% | 86.96% | $6.1M | $240.0M |
CB&S Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CB&S Bank, Inc., 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 CB&S Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15310) · FFIEC NIC profile (RSSD 594433)