Commercial Bank & Trust Company: 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.
Other borrowed money dropped 50.0% in Q2 2026, from $2.0M to $1.0M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Commercial Bank & Trust Company is 58th of 78 on loan-to-deposit ratio, 74.23% as of Q2 2026, below the middle of the field. Commercial Bank & Trust Company reported 74.23% on loan-to-deposit ratio for Q2 2026, 6.60 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 | $6.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.3M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.51% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.23% |
| Net loans and leases to deposits | 73.15% |
| Loans and leases to core deposits | 95.85% |
| Core deposits to total deposits | 75.11% |
| Brokered deposits to total deposits | 2.33% |
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 | 66.95% | 75.67% | $0 | $7.0M |
| Q4 2023 | 68.38% | 74.15% | $0 | $11.5M |
| Q1 2024 | 67.37% | 73.35% | $0 | $7.0M |
| Q2 2024 | 64.91% | 74.72% | $0 | $5.8M |
| Q3 2024 | 65.37% | 75.19% | $0 | $2.0M |
| Q4 2024 | 66.36% | 75.58% | $0 | $2.0M |
| Q1 2025 | 69.04% | 72.79% | $0 | $5.5M |
| Q2 2025 | 71.41% | 76.10% | $0 | $8.0M |
| Q3 2025 | 71.65% | 75.22% | $0 | $2.5M |
| Q4 2025 | 73.66% | 77.00% | $0 | $10.1M |
| Q1 2026 | 73.12% | 75.31% | $0 | $2.0M |
| Q2 2026 | 74.23% | 75.11% | $0 | $1.0M |
Commercial Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90) · FFIEC NIC profile (RSSD 23643)