The Commercial Bank of Grayson: 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 Fed funds sold and reverse repos: 80.6% lower than in Q1 2026, at $900K. Within Kentucky, The Commercial Bank of Grayson is 91st of 120 on loan-to-deposit ratio, 73.20% as of Q2 2026, below the middle of the field. The Commercial Bank of Grayson reported 73.20% on loan-to-deposit ratio for Q2 2026, 7.74 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $81.2M |
| Fed funds sold and reverse repos | $900K |
| Fed funds sold and reverse repos to assets | 0.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.2M |
| 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 | 73.20% |
| Net loans and leases to deposits | 72.19% |
| Loans and leases to core deposits | 75.86% |
| Core deposits to total deposits | 96.49% |
| 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 | 66.33% | 99.09% | $2.0M | $2.0M |
| Q4 2023 | 68.99% | 99.09% | $3.8M | $0 |
| Q1 2024 | 69.15% | 98.02% | $3.4M | $0 |
| Q2 2024 | 70.70% | 97.76% | $4.6M | $0 |
| Q3 2024 | 70.69% | 96.00% | $0 | $0 |
| Q4 2024 | 70.58% | 95.13% | $0 | $0 |
| Q1 2025 | 68.62% | 95.23% | $0 | $0 |
| Q2 2025 | 67.87% | 95.05% | $0 | $0 |
| Q3 2025 | 69.10% | 96.23% | $0 | $0 |
| Q4 2025 | 68.74% | 96.37% | $1.2M | $0 |
| Q1 2026 | 69.20% | 96.88% | $0 | $0 |
| Q2 2026 | 73.20% | 96.49% | $1.2M | $0 |
The Commercial Bank of Grayson liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial Bank of Grayson, 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 Bank of Grayson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10137) · FFIEC NIC profile (RSSD 812614)