Commerce Bank & Trust: 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.
Loans and leases to core deposits dropped 11.48 percentage points in Q2 2026, from 97.64% to 86.16%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Commerce Bank & Trust is 39th of 81 on loan-to-deposit ratio, 76.95% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Commerce Bank & Trust sits 3.60 points lower, at 76.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.9M |
| 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 | $7.7M |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.95% |
| Net loans and leases to deposits | 75.72% |
| Loans and leases to core deposits | 86.16% |
| Core deposits to total deposits | 77.57% |
| Brokered deposits to total deposits | 11.74% |
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 | 74.54% | 80.19% | $3.0M | $3.0M |
| Q4 2023 | 76.59% | 76.99% | $2.3M | $3.0M |
| Q1 2024 | 79.47% | 78.40% | $4.2M | $3.0M |
| Q2 2024 | 79.98% | 77.06% | $3.6M | $3.0M |
| Q3 2024 | 81.81% | 78.26% | $3.6M | $0 |
| Q4 2024 | 80.33% | 79.84% | $4.0M | $0 |
| Q1 2025 | 83.25% | 85.12% | $3.4M | $0 |
| Q2 2025 | 89.17% | 85.02% | $3.6M | $7.0M |
| Q3 2025 | 84.59% | 85.47% | $3.3M | $7.0M |
| Q4 2025 | 75.70% | 88.85% | $4.5M | $4.0M |
| Q1 2026 | 85.40% | 84.48% | $5.6M | $4.0M |
| Q2 2026 | 76.95% | 77.57% | $7.7M | $4.0M |
Commerce Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57429) · FFIEC NIC profile (RSSD 3148613)