Commencement 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: 110.7% higher than in Q1 2026, at $37.4M. Commencement Bank ranks 20th of 29 Washington banks on loan-to-deposit ratio, in the lower half at 84.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Commencement Bank sits 3.75 points higher, at 84.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $72.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $147.0M |
| Fed funds sold and reverse repos | $37.4M |
| Fed funds sold and reverse repos to assets | 5.05% |
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 | 84.31% |
| Net loans and leases to deposits | 83.32% |
| Loans and leases to core deposits | 88.98% |
| Core deposits to total deposits | 94.75% |
| Brokered deposits to total deposits | 0.00% |
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 | 86.31% | 94.04% | $0 | $20.1M |
| Q4 2023 | 83.40% | 94.75% | $0 | $0 |
| Q1 2024 | 83.39% | 94.63% | $0 | $0 |
| Q2 2024 | 86.73% | 92.57% | $0 | $6.0M |
| Q3 2024 | 81.96% | 92.62% | $0 | $0 |
| Q4 2024 | 78.93% | 92.07% | $0 | $0 |
| Q1 2025 | 81.79% | 92.81% | $0 | $0 |
| Q2 2025 | 85.33% | 92.77% | $0 | $15.0M |
| Q3 2025 | 84.53% | 93.22% | $0 | $0 |
| Q4 2025 | 85.91% | 92.94% | $0 | $0 |
| Q1 2026 | 86.56% | 94.27% | $0 | $0 |
| Q2 2026 | 84.31% | 94.75% | $0 | $0 |
Commencement Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commencement 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 Commencement Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58446) · FFIEC NIC profile (RSSD 3537897)