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 Cash and balances due from depository institutions: 87.0% lower than in Q1 2026, at $5.2M. On loan-to-deposit ratio, Commerce Bank is 24th from the bottom among 346 Texas banks, 29.36% (Q2 2026). Commerce Bank's loan-to-deposit ratio of 29.36% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 51.19 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.2M |
| Cash and noninterest-bearing balances to assets | 0.69% |
| Cash and securities | $534.7M |
| 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 | $15.3M |
| 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 | 29.36% |
| Net loans and leases to deposits | 28.91% |
| Loans and leases to core deposits | 39.22% |
| Core deposits to total deposits | 74.87% |
| 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 | 30.36% | 81.06% | $373K | $0 |
| Q4 2023 | 30.40% | 80.51% | $527K | $0 |
| Q1 2024 | 27.40% | 78.31% | $553K | $0 |
| Q2 2024 | 26.17% | 76.22% | $618K | $0 |
| Q3 2024 | 24.70% | 75.67% | $607K | $0 |
| Q4 2024 | 23.21% | 76.35% | $94K | $0 |
| Q1 2025 | 23.68% | 76.43% | $101K | $0 |
| Q2 2025 | 23.82% | 75.76% | $159K | $0 |
| Q3 2025 | 23.98% | 75.11% | $184K | $0 |
| Q4 2025 | 24.17% | 74.19% | $193K | $0 |
| Q1 2026 | 26.52% | 75.01% | $199K | $0 |
| Q2 2026 | 29.36% | 74.87% | $15.3M | $0 |
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 23772) · FFIEC NIC profile (RSSD 625159)