CNB 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.
Loan-to-deposit ratio climbed 1.66 percentage points in Q2 2026, from 87.96% to 89.63%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, CNB Bank, Inc. is 11th of 41 on loan-to-deposit ratio, 89.63% as of Q2 2026, above the middle of the field. CNB Bank, Inc. reported 89.63% on loan-to-deposit ratio for Q2 2026, 8.79 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $194.6M |
| 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 | $74.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.63% |
| Net loans and leases to deposits | 88.64% |
| Loans and leases to core deposits | 98.25% |
| Core deposits to total deposits | 89.65% |
| Brokered deposits to total deposits | 1.57% |
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 | 80.17% | 95.64% | $0 | $3.0M |
| Q4 2023 | 83.47% | 95.60% | $0 | $14.0M |
| Q1 2024 | 84.33% | 94.76% | $0 | $27.0M |
| Q2 2024 | 87.65% | 93.83% | $0 | $27.0M |
| Q3 2024 | 86.00% | 93.17% | $0 | $23.0M |
| Q4 2024 | 88.39% | 92.64% | $0 | $20.0M |
| Q1 2025 | 88.52% | 90.67% | $0 | $16.0M |
| Q2 2025 | 87.78% | 89.35% | $0 | $20.0M |
| Q3 2025 | 86.30% | 89.28% | $0 | $73.0M |
| Q4 2025 | 87.08% | 89.14% | $0 | $72.0M |
| Q1 2026 | 87.96% | 89.47% | $0 | $73.0M |
| Q2 2026 | 89.63% | 89.65% | $0 | $74.5M |
CNB Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB 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 CNB Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14507) · FFIEC NIC profile (RSSD 944627)