CCB 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.
The largest change between Q1 2026 and Q2 2026 was in Loans and leases to core deposits, which rose 0.49 percentage points to 95.08%. CCB Community Bank ranks 17th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 86.14% (Q2 2026). CCB Community Bank reported 86.14% on loan-to-deposit ratio for Q2 2026, 5.58 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $75.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $135.9M |
| Fed funds sold and reverse repos | $8.1M |
| Fed funds sold and reverse repos to assets | 1.23% |
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 | 86.14% |
| Net loans and leases to deposits | 85.06% |
| Loans and leases to core deposits | 95.08% |
| Core deposits to total deposits | 90.43% |
| Brokered deposits to total deposits | 0.17% |
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 | 84.59% | 90.75% | $0 | $10.0M |
| Q4 2023 | 84.06% | 90.36% | $0 | $5.0M |
| Q1 2024 | 86.17% | 90.92% | $0 | $20.0M |
| Q2 2024 | 83.81% | 90.72% | $0 | $20.0M |
| Q3 2024 | 79.54% | 91.20% | $0 | $5.0M |
| Q4 2024 | 82.73% | 91.28% | $0 | $5.0M |
| Q1 2025 | 82.88% | 91.82% | $0 | $0 |
| Q2 2025 | 83.25% | 91.21% | $0 | $0 |
| Q3 2025 | 82.61% | 91.19% | $0 | $0 |
| Q4 2025 | 84.50% | 90.87% | $0 | $0 |
| Q1 2026 | 85.91% | 90.66% | $0 | $0 |
| Q2 2026 | 86.14% | 90.43% | $0 | $0 |
CCB Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CCB 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 CCB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16595) · FFIEC NIC profile (RSSD 655839)