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 Cash and balances due from depository institutions: 43.8% lower than in Q1 2026, at $3.0M. The Commercial Bank ranks 286th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 45.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Commercial Bank sits 35.78 points lower, at 45.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.2M |
| 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 | $4.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.05% |
| Net loans and leases to deposits | 44.50% |
| Loans and leases to core deposits | 56.96% |
| Core deposits to total deposits | 79.10% |
| 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 | 42.09% | 82.36% | $0 | $2.4M |
| Q4 2023 | 41.60% | 81.03% | $0 | $2.4M |
| Q1 2024 | 40.27% | 81.63% | $0 | $2.4M |
| Q2 2024 | 42.22% | 77.86% | $0 | $2.4M |
| Q3 2024 | 46.87% | 77.17% | $0 | $3.9M |
| Q4 2024 | 46.88% | 78.57% | $0 | $3.5M |
| Q1 2025 | 45.03% | 78.70% | $0 | $2.4M |
| Q2 2025 | 44.91% | 77.91% | $0 | $2.4M |
| Q3 2025 | 48.19% | 77.16% | $0 | $3.9M |
| Q4 2025 | 46.70% | 77.11% | $0 | $4.4M |
| Q1 2026 | 44.92% | 79.25% | $0 | $4.4M |
| Q2 2026 | 45.05% | 79.10% | $0 | $4.9M |
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 19595) · FFIEC NIC profile (RSSD 491653)