The 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 Fed funds sold and reverse repos: 65.2% higher than in Q1 2026, at $5.2M. On loan-to-deposit ratio, The Commercial Bank is 4th from the bottom among 44 South Carolina banks, 40.72% (Q2 2026). The Commercial Bank reported 40.72% on loan-to-deposit ratio for Q2 2026, 40.12 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 | $40.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $170.6M |
| Fed funds sold and reverse repos | $5.2M |
| Fed funds sold and reverse repos to assets | 1.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.72% |
| Net loans and leases to deposits | 40.26% |
| Loans and leases to core deposits | 44.05% |
| Core deposits to total deposits | 92.44% |
| 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 | 35.59% | 93.83% | $0 | $0 |
| Q4 2023 | 37.73% | 93.86% | $0 | $0 |
| Q1 2024 | 38.24% | 93.30% | $0 | $0 |
| Q2 2024 | 39.32% | 92.96% | $0 | $0 |
| Q3 2024 | 39.43% | 92.44% | $0 | $0 |
| Q4 2024 | 38.64% | 91.85% | $0 | $0 |
| Q1 2025 | 38.64% | 91.90% | $0 | $0 |
| Q2 2025 | 40.16% | 92.06% | $0 | $0 |
| Q3 2025 | 40.86% | 92.81% | $0 | $0 |
| Q4 2025 | 43.76% | 92.58% | $8.0M | $0 |
| Q1 2026 | 38.45% | 92.53% | $0 | $8.0M |
| Q2 2026 | 40.72% | 92.44% | $0 | $8.0M |
The Commercial Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14642) · FFIEC NIC profile (RSSD 349129)