The Commercial and Savings Bank of Millersburg, Ohio: 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 81.3% in Q2 2026, from $2.0M to $378K. It was the largest change from Q1 2026 among the key lines here. The Commercial and Savings Bank of Millersburg, Ohio ranks 99th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 76.63% (Q2 2026). The Commercial and Savings Bank of Millersburg, Ohio reported 76.63% on loan-to-deposit ratio for Q2 2026, 11.58 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 | $81.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $377.0M |
| Fed funds sold and reverse repos | $378K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $22.0M |
| Other borrowed money | $694K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.63% |
| Net loans and leases to deposits | 75.43% |
| Loans and leases to core deposits | 83.46% |
| Core deposits to total deposits | 91.82% |
| 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 | 66.87% | 94.65% | $30.7M | $1.8M |
| Q4 2023 | 68.25% | 94.30% | $35.8M | $1.8M |
| Q1 2024 | 70.35% | 93.29% | $29.5M | $1.7M |
| Q2 2024 | 70.50% | 93.12% | $27.8M | $1.3M |
| Q3 2024 | 67.23% | 92.62% | $19.2M | $1.3M |
| Q4 2024 | 70.59% | 92.38% | $25.7M | $1.3M |
| Q1 2025 | 71.06% | 91.32% | $25.0M | $1.2M |
| Q2 2025 | 72.30% | 92.18% | $22.4M | $965K |
| Q3 2025 | 73.85% | 92.53% | $20.3M | $941K |
| Q4 2025 | 73.54% | 92.80% | $31.5M | $917K |
| Q1 2026 | 77.37% | 92.40% | $27.6M | $892K |
| Q2 2026 | 76.63% | 91.82% | $22.0M | $694K |
The Commercial and Savings Bank of Millersburg, Ohio liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial and Savings Bank of Millersburg, Ohio, 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 The Commercial and Savings Bank of Millersburg, Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9139) · FFIEC NIC profile (RSSD 189129)