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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.53 percentage points higher than in Q1 2026, at 119.42%. On loan-to-deposit ratio, Commerce Bank ranks 5th highest among the 221 banks headquartered in Minnesota, at 119.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Commerce Bank sits 38.87 points higher, at 119.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.2M |
| 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 | $32.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.42% |
| Net loans and leases to deposits | 117.30% |
| Loans and leases to core deposits | 121.62% |
| Core deposits to total deposits | 61.19% |
| Brokered deposits to total deposits | 37.01% |
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 | 125.62% | 53.46% | $0 | $56.1M |
| Q4 2023 | 131.59% | 51.61% | $0 | $69.1M |
| Q1 2024 | 122.63% | 51.74% | $0 | $55.2M |
| Q2 2024 | 123.00% | 51.24% | $0 | $55.2M |
| Q3 2024 | 124.15% | 53.14% | $0 | $58.2M |
| Q4 2024 | 121.82% | 51.53% | $0 | $50.6M |
| Q1 2025 | 117.46% | 53.43% | $0 | $42.6M |
| Q2 2025 | 114.00% | 52.53% | $0 | $36.6M |
| Q3 2025 | 115.78% | 54.64% | $0 | $38.1M |
| Q4 2025 | 118.79% | 54.07% | $0 | $34.6M |
| Q1 2026 | 114.89% | 56.83% | $0 | $30.6M |
| Q2 2026 | 119.42% | 61.19% | $0 | $32.6M |
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 10212) · FFIEC NIC profile (RSSD 49054)