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 Loans and leases to core deposits: 13.49 percentage points higher than in Q1 2026, at 97.59%. Commercial Bank ranks 84th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 83.15% (Q2 2026). Commercial Bank reported 83.15% on loan-to-deposit ratio for Q2 2026, 15.53 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.7M |
| Fed funds sold and reverse repos | $172K |
| Fed funds sold and reverse repos to assets | 0.30% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.15% |
| Net loans and leases to deposits | 82.05% |
| Loans and leases to core deposits | 97.59% |
| Core deposits to total deposits | 84.89% |
| Brokered deposits to total deposits | 24.47% |
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 | 68.87% | 88.93% | $0 | $0 |
| Q4 2023 | 71.20% | 87.60% | $0 | $0 |
| Q1 2024 | 70.01% | 90.30% | $0 | $0 |
| Q2 2024 | 70.98% | 88.79% | $0 | $0 |
| Q3 2024 | 80.87% | 89.72% | $5K | $5.1M |
| Q4 2024 | 73.63% | 92.30% | $0 | $0 |
| Q1 2025 | 70.65% | 93.95% | $0 | $0 |
| Q2 2025 | 75.24% | 92.79% | $0 | $0 |
| Q3 2025 | 81.30% | 89.94% | $0 | $0 |
| Q4 2025 | 81.67% | 87.40% | $0 | $400K |
| Q1 2026 | 74.88% | 88.74% | $0 | $0 |
| Q2 2026 | 83.15% | 84.89% | $0 | $1.5M |
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 12246) · FFIEC NIC profile (RSSD 42457)