Commerce 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.
Fed funds sold and reverse repos dropped 97.0% in Q2 2026, from $4.3M to $127K. It was the largest change from Q1 2026 among the key lines here. Commerce Bank ranks 23rd of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 78.74% (Q2 2026). At 78.74%, Commerce Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.7M |
| Fed funds sold and reverse repos | $127K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $425K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.74% |
| Net loans and leases to deposits | 77.58% |
| Loans and leases to core deposits | 85.37% |
| Core deposits to total deposits | 92.23% |
| 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 | 71.39% | 93.05% | $0 | $4.0M |
| Q4 2023 | 72.79% | 91.58% | $0 | $0 |
| Q1 2024 | 70.23% | 91.44% | $0 | $0 |
| Q2 2024 | 73.52% | 91.00% | $1.8M | $0 |
| Q3 2024 | 75.80% | 90.77% | $1.3M | $0 |
| Q4 2024 | 75.18% | 91.99% | $0 | $0 |
| Q1 2025 | 73.68% | 92.07% | $0 | $0 |
| Q2 2025 | 78.21% | 91.79% | $2.6M | $0 |
| Q3 2025 | 80.03% | 91.64% | $0 | $4.7M |
| Q4 2025 | 80.94% | 91.01% | $625K | $3.0M |
| Q1 2026 | 77.54% | 91.77% | $0 | $1.7M |
| Q2 2026 | 78.74% | 92.23% | $0 | $425K |
Commerce Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce 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 Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34938) · FFIEC NIC profile (RSSD 2746245)