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.
Loans and leases to core deposits climbed 4.53 percentage points in Q2 2026, from 84.90% to 89.43%. It was the largest change from Q1 2026 among the key lines here. The Commercial Bank ranks 47th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 83.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Commercial Bank reported 83.07% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.1M |
| Fed funds sold and reverse repos | $24.3M |
| Fed funds sold and reverse repos to assets | 5.23% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 83.07% |
| Net loans and leases to deposits | 81.66% |
| Loans and leases to core deposits | 89.43% |
| Core deposits to total deposits | 92.88% |
| 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 | 74.63% | 96.40% | $0 | $0 |
| Q4 2023 | 73.51% | 95.33% | $0 | $0 |
| Q1 2024 | 74.40% | 94.08% | $0 | $40.0M |
| Q2 2024 | 76.08% | 93.71% | $0 | $40.0M |
| Q3 2024 | 77.74% | 93.90% | $0 | $0 |
| Q4 2024 | 75.22% | 94.06% | $0 | $0 |
| Q1 2025 | 75.96% | 93.77% | $0 | $0 |
| Q2 2025 | 79.58% | 93.31% | $0 | $0 |
| Q3 2025 | 79.06% | 92.90% | $0 | $0 |
| Q4 2025 | 76.83% | 93.30% | $0 | $0 |
| Q1 2026 | 78.77% | 92.78% | $0 | $0 |
| Q2 2026 | 83.07% | 92.88% | $0 | $0 |
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 175) · FFIEC NIC profile (RSSD 469737)