CNB St. Louis 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 standout move of Q2 2026 was in Fed funds sold and reverse repos: 69.9% lower than in Q1 2026, at $417K. Within Missouri, CNB St. Louis Bank is 45th of 192 on loan-to-deposit ratio, 94.60% as of Q2 2026, above the middle of the field. CNB St. Louis Bank reported 94.60% on loan-to-deposit ratio for Q2 2026, 13.76 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 | $42.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $147.2M |
| Fed funds sold and reverse repos | $417K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $19.2M |
| Other borrowed money | $27.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.60% |
| Net loans and leases to deposits | 92.81% |
| Loans and leases to core deposits | 101.55% |
| Core deposits to total deposits | 88.85% |
| Brokered deposits to total deposits | 4.31% |
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 | 88.69% | 82.18% | $18.0M | $42.0M |
| Q4 2023 | 90.33% | 80.74% | $0 | $70.0M |
| Q1 2024 | 95.72% | 84.16% | $0 | $105.5M |
| Q2 2024 | 92.83% | 83.45% | $0 | $80.5M |
| Q3 2024 | 89.89% | 85.78% | $0 | $55.5M |
| Q4 2024 | 93.65% | 85.41% | $0 | $76.8M |
| Q1 2025 | 96.48% | 82.85% | $0 | $92.0M |
| Q2 2025 | 92.58% | 78.19% | $0 | $56.8M |
| Q3 2025 | 89.86% | 78.66% | $0 | $37.5M |
| Q4 2025 | 96.48% | 83.65% | $38.8M | $34.0M |
| Q1 2026 | 94.11% | 84.99% | $17.5M | $34.0M |
| Q2 2026 | 94.60% | 88.85% | $19.2M | $27.0M |
CNB St. Louis Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB St. Louis 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 CNB St. Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4549) · FFIEC NIC profile (RSSD 870650)