Commercial Banking 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 12.45 percentage points lower than in Q1 2026, at 92.36%. Within Georgia, Commercial Banking Company is 44th of 122 on loan-to-deposit ratio, 84.37% as of Q2 2026, above the middle of the field. Commercial Banking Company reported 84.37% on loan-to-deposit ratio for Q2 2026, 3.53 points above 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 | $49.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.5M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.37% |
| Net loans and leases to deposits | 83.29% |
| Loans and leases to core deposits | 92.36% |
| Core deposits to total deposits | 80.09% |
| Brokered deposits to total deposits | 11.26% |
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 | 67.46% | 97.25% | $0 | $0 |
| Q4 2023 | 68.18% | 96.90% | $0 | $0 |
| Q1 2024 | 71.15% | 96.05% | $0 | $0 |
| Q2 2024 | 72.55% | 95.63% | $0 | $0 |
| Q3 2024 | 71.97% | 95.11% | $0 | $0 |
| Q4 2024 | 77.30% | 88.26% | $0 | $0 |
| Q1 2025 | 76.88% | 88.35% | $0 | $0 |
| Q2 2025 | 82.45% | 86.45% | $0 | $0 |
| Q3 2025 | 82.11% | 83.81% | $0 | $0 |
| Q4 2025 | 88.17% | 81.63% | $0 | $5.0M |
| Q1 2026 | 82.73% | 78.93% | $0 | $5.0M |
| Q2 2026 | 84.37% | 80.09% | $0 | $5.0M |
Commercial Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Banking 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16246) · FFIEC NIC profile (RSSD 381932)