Commercial State 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 Q3 2026 was in Cash and balances due from depository institutions: 28.8% lower than in Q2 2026, at $10.1M. Commercial State Bank ranks 31st of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 94.01% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Commercial State Bank sits 13.06 points higher, at 94.01% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $18K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 94.01% |
| Net loans and leases to deposits | 92.93% |
| Loans and leases to core deposits | 120.04% |
| Core deposits to total deposits | 77.04% |
| Brokered deposits to total deposits | 5.77% |
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 |
|---|---|---|---|---|
| Q4 2023 | 97.98% | 79.77% | $3.7M | $8.0M |
| Q1 2024 | 92.78% | 78.53% | $0 | $1.0M |
| Q2 2024 | 95.53% | 76.63% | $0 | $4.0M |
| Q3 2024 | 90.67% | 76.40% | $0 | $36K |
| Q4 2024 | 93.30% | 76.42% | $0 | $36K |
| Q1 2025 | 95.21% | 78.93% | $0 | $36K |
| Q2 2025 | 94.20% | 73.70% | $0 | $27K |
| Q3 2025 | 92.61% | 78.67% | $0 | $27K |
| Q4 2025 | 96.33% | 78.03% | $796K | $27K |
| Q1 2026 | 94.16% | 77.24% | $0 | $27K |
| Q2 2026 | 92.22% | 77.55% | $0 | $18K |
| Q3 2026 | 94.01% | 77.04% | $0 | $18K |
Commercial State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State 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 Commercial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13819) · FFIEC NIC profile (RSSD 479754)