Commercial Trust Company of Fayette: 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 Loan-to-deposit ratio: 1.45 percentage points higher than in Q1 2026, at 76.05%. Commercial Trust Company of Fayette ranks 130th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 76.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial Trust Company of Fayette sits 4.78 points lower, at 76.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.4M |
| 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 | $2.0M |
| 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 | 76.05% |
| Net loans and leases to deposits | 75.37% |
| Loans and leases to core deposits | 82.37% |
| Core deposits to total deposits | 92.33% |
| 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 | 76.53% | 91.63% | $0 | $6.0M |
| Q4 2023 | 83.56% | 91.22% | $0 | $6.0M |
| Q1 2024 | 74.65% | 91.24% | $0 | $6.0M |
| Q2 2024 | 78.19% | 91.40% | $0 | $4.5M |
| Q3 2024 | 79.25% | 90.86% | $0 | $4.5M |
| Q4 2024 | 80.71% | 92.00% | $0 | $3.5M |
| Q1 2025 | 74.21% | 92.33% | $0 | $2.0M |
| Q2 2025 | 78.32% | 92.05% | $0 | $2.0M |
| Q3 2025 | 76.93% | 92.01% | $0 | $2.0M |
| Q4 2025 | 80.64% | 91.70% | $0 | $2.0M |
| Q1 2026 | 74.60% | 92.01% | $0 | $2.0M |
| Q2 2026 | 76.05% | 92.33% | $0 | $2.0M |
Commercial Trust Company of Fayette liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Trust Company of Fayette, 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 Trust Company of Fayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9791) · FFIEC NIC profile (RSSD 709451)