Commonwealth Community Bank, Inc.: 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.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $2.3M to $0. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Commonwealth Community Bank, Inc. is 3rd from the bottom among 120 Kentucky banks, 41.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commonwealth Community Bank, Inc. sits 39.66 points lower, at 41.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.1M |
| 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 | $1.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.18% |
| Net loans and leases to deposits | 40.67% |
| Loans and leases to core deposits | 46.02% |
| Core deposits to total deposits | 89.48% |
| 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 | 35.22% | 92.54% | $0 | $10.0M |
| Q4 2023 | 35.96% | 91.19% | $0 | $10.0M |
| Q1 2024 | 35.82% | 91.24% | $0 | $10.0M |
| Q2 2024 | 38.36% | 91.59% | $1.0M | $10.0M |
| Q3 2024 | 40.88% | 90.93% | $4.0M | $10.0M |
| Q4 2024 | 39.63% | 91.23% | $806K | $10.0M |
| Q1 2025 | 39.16% | 91.21% | $0 | $10.0M |
| Q2 2025 | 40.20% | 92.22% | $0 | $10.0M |
| Q3 2025 | 40.10% | 91.41% | $0 | $0 |
| Q4 2025 | 40.40% | 90.59% | $0 | $0 |
| Q1 2026 | 40.07% | 88.99% | $0 | $0 |
| Q2 2026 | 41.18% | 89.48% | $0 | $1.4M |
Commonwealth Community Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Community Bank, Inc., 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 Commonwealth Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8126) · FFIEC NIC profile (RSSD 541642)