Commerceone 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 Loans and leases to core deposits: 15.38 percentage points lower than in Q1 2026, at 71.70%. Commerceone Bank ranks 42nd of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 71.55% (Q2 2026). Commerceone Bank reported 71.55% on loan-to-deposit ratio for Q2 2026, 16.65 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $314.6M |
| Cash and noninterest-bearing balances to assets | 29.59% |
| Cash and securities | $357.3M |
| 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 | $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 | 71.55% |
| Net loans and leases to deposits | 70.84% |
| Loans and leases to core deposits | 71.70% |
| Core deposits to total deposits | 99.80% |
| 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 | 97.77% | 91.41% | $0 | $10.0M |
| Q4 2023 | 91.17% | 92.08% | $0 | $0 |
| Q1 2024 | 92.60% | 90.44% | $0 | $0 |
| Q2 2024 | 99.29% | 89.75% | $0 | $30.0M |
| Q3 2024 | 95.01% | 93.71% | $0 | $0 |
| Q4 2024 | 87.07% | 94.78% | $0 | $0 |
| Q1 2025 | 89.47% | 94.53% | $0 | $0 |
| Q2 2025 | 97.54% | 93.80% | $0 | $10.0M |
| Q3 2025 | 93.15% | 94.89% | $0 | $10.0M |
| Q4 2025 | 98.86% | 91.96% | $0 | $25.0M |
| Q1 2026 | 86.26% | 96.04% | $0 | $0 |
| Q2 2026 | 71.55% | 99.80% | $0 | $0 |
Commerceone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerceone 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 Commerceone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59114) · FFIEC NIC profile (RSSD 5227101)