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.
Other borrowed money to assets climbed 4.27 percentage points in Q2 2026, from 1.03% to 5.30%. It was the largest change from Q1 2026 among the key lines here. Commercial State Bank has the 7th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 39.44% as of Q2 2026. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Commercial State Bank sits 28.48 points lower, at 39.44% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.7M |
| 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 | $1.2M |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.44% |
| Net loans and leases to deposits | 38.95% |
| Loans and leases to core deposits | 43.32% |
| Core deposits to total deposits | 90.04% |
| Brokered deposits to total deposits | 1.00% |
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 | 39.95% | 90.66% | $7.6M | $0 |
| Q4 2023 | 41.10% | 89.59% | $7.0M | $0 |
| Q1 2024 | 30.61% | 90.36% | $0 | $3.0M |
| Q2 2024 | 36.74% | 90.10% | $7.8M | $0 |
| Q3 2024 | 36.87% | 88.52% | $7.4M | $0 |
| Q4 2024 | 39.11% | 87.13% | $518K | $7.0M |
| Q1 2025 | 36.82% | 88.77% | $505K | $3.4M |
| Q2 2025 | 40.41% | 88.09% | $270K | $6.8M |
| Q3 2025 | 45.22% | 88.03% | $1.6M | $7.1M |
| Q4 2025 | 43.99% | 89.61% | $773K | $4.4M |
| Q1 2026 | 37.19% | 90.35% | $1.2M | $750K |
| Q2 2026 | 39.44% | 90.04% | $1.2M | $4.0M |
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 1986) · FFIEC NIC profile (RSSD 924553)