Commercial 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.
Loans and leases to core deposits climbed 2.78 percentage points in Q2 2026, from 86.44% to 89.21%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank ranks 112th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.41% (Q2 2026). At 80.41%, Commercial Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.1M |
| 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 | $17.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.41% |
| Net loans and leases to deposits | 79.49% |
| Loans and leases to core deposits | 89.21% |
| Core deposits to total deposits | 88.33% |
| Brokered deposits to total deposits | 1.80% |
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 | 68.12% | 92.02% | $0 | $18.8M |
| Q4 2023 | 71.34% | 91.01% | $9.3M | $18.7M |
| Q1 2024 | 67.68% | 88.63% | $0 | $18.7M |
| Q2 2024 | 65.91% | 88.07% | $0 | $13.6M |
| Q3 2024 | 67.24% | 87.78% | $0 | $10.6M |
| Q4 2024 | 69.99% | 87.78% | $0 | $14.0M |
| Q1 2025 | 71.09% | 89.72% | $0 | $12.9M |
| Q2 2025 | 71.79% | 89.50% | $0 | $18.0M |
| Q3 2025 | 73.95% | 89.45% | $0 | $11.8M |
| Q4 2025 | 77.35% | 89.59% | $0 | $16.7M |
| Q1 2026 | 78.21% | 88.02% | $0 | $15.2M |
| Q2 2026 | 80.41% | 88.33% | $0 | $17.9M |
Commercial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27409) · FFIEC NIC profile (RSSD 1225752)