Commonwealth National 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 Q2 2026 was in Loans and leases to core deposits: 4.67 percentage points higher than in Q1 2026, at 59.50%. On loan-to-deposit ratio, Commonwealth National Bank is 10th from the bottom among 93 Alabama banks, 45.00% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Commonwealth National Bank sits 22.62 points lower, at 45.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.4M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.00% |
| Net loans and leases to deposits | 44.24% |
| Loans and leases to core deposits | 59.50% |
| Core deposits to total deposits | 75.63% |
| 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 | 38.97% | 89.48% | $0 | $0 |
| Q4 2023 | 40.59% | 90.23% | $0 | $0 |
| Q1 2024 | 41.08% | 90.04% | $0 | $0 |
| Q2 2024 | 39.41% | 87.42% | $0 | $0 |
| Q3 2024 | 41.01% | 82.75% | $0 | $0 |
| Q4 2024 | 42.47% | 81.40% | $0 | $0 |
| Q1 2025 | 43.27% | 81.44% | $0 | $0 |
| Q2 2025 | 45.53% | 80.95% | $0 | $0 |
| Q3 2025 | 44.58% | 80.25% | $0 | $0 |
| Q4 2025 | 46.48% | 79.91% | $0 | $0 |
| Q1 2026 | 41.94% | 76.48% | $0 | $0 |
| Q2 2026 | 45.00% | 75.63% | $0 | $0 |
Commonwealth National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth National 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 Commonwealth National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22229) · FFIEC NIC profile (RSSD 578237)