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 Other borrowed money: 63.6% higher than in Q1 2026, at $18.0M. Within Michigan, Commercial Bank is 43rd of 72 on loan-to-deposit ratio, 77.24% as of Q2 2026, below the middle of the field. Commercial Bank reported 77.24% on loan-to-deposit ratio for Q2 2026, 3.60 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $151.2M |
| 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 | $18.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.24% |
| Net loans and leases to deposits | 76.54% |
| Loans and leases to core deposits | 81.15% |
| Core deposits to total deposits | 90.14% |
| Brokered deposits to total deposits | 5.05% |
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 | 80.26% | 91.72% | $0 | $19.0M |
| Q4 2023 | 81.94% | 90.67% | $0 | $14.0M |
| Q1 2024 | 79.44% | 90.45% | $0 | $14.0M |
| Q2 2024 | 81.27% | 87.69% | $0 | $9.0M |
| Q3 2024 | 79.71% | 89.16% | $0 | $4.0M |
| Q4 2024 | 78.39% | 89.74% | $0 | $4.0M |
| Q1 2025 | 76.92% | 90.66% | $0 | $4.0M |
| Q2 2025 | 78.36% | 90.74% | $0 | $4.0M |
| Q3 2025 | 77.61% | 92.18% | $0 | $1.0M |
| Q4 2025 | 77.68% | 92.63% | $0 | $16.0M |
| Q1 2026 | 73.75% | 92.23% | $0 | $11.0M |
| Q2 2026 | 77.24% | 90.14% | $0 | $18.0M |
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 18584) · FFIEC NIC profile (RSSD 513340)