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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 61.9% higher than in Q1 2026, at $12.0M. Within Kentucky, Commercial Bank is 62nd of 120 on loan-to-deposit ratio, 82.67% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Commercial Bank reported 82.67% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.0M |
| Fed funds sold and reverse repos | $334K |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $9.6M |
| 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 | 82.67% |
| Net loans and leases to deposits | 81.87% |
| Loans and leases to core deposits | 87.97% |
| Core deposits to total deposits | 93.98% |
| 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 | 73.57% | 92.08% | $16.7M | $0 |
| Q4 2023 | 74.09% | 92.09% | $17.3M | $0 |
| Q1 2024 | 78.86% | 92.91% | $20.2M | $0 |
| Q2 2024 | 75.86% | 92.82% | $15.4M | $0 |
| Q3 2024 | 76.24% | 92.79% | $14.6M | $0 |
| Q4 2024 | 79.12% | 92.80% | $14.3M | $0 |
| Q1 2025 | 79.79% | 92.73% | $14.7M | $0 |
| Q2 2025 | 79.08% | 93.24% | $12.3M | $0 |
| Q3 2025 | 86.43% | 93.28% | $13.3M | $0 |
| Q4 2025 | 84.73% | 94.72% | $13.1M | $0 |
| Q1 2026 | 84.48% | 94.00% | $9.2M | $0 |
| Q2 2026 | 82.67% | 93.98% | $9.6M | $0 |
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 9310) · FFIEC NIC profile (RSSD 358112)