Community 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.
Core deposits to total deposits dropped 11.69 percentage points in Q2 2026, from 94.50% to 82.81%. It was the largest change from Q1 2026 among the key lines here. Community Bank ranks 43rd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 89.43% (Q2 2026). Community Bank reported 89.43% on loan-to-deposit ratio for Q2 2026, 8.87 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.5M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 2.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.43% |
| Net loans and leases to deposits | 88.46% |
| Loans and leases to core deposits | 95.37% |
| Core deposits to total deposits | 82.81% |
| Brokered deposits to total deposits | 10.97% |
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 | 86.38% | 89.43% | $0 | $7.5M |
| Q4 2023 | 88.44% | 91.42% | $0 | $7.5M |
| Q1 2024 | 95.07% | 91.87% | $0 | $7.5M |
| Q2 2024 | 92.54% | 91.58% | $0 | $6.5M |
| Q3 2024 | 90.83% | 90.66% | $0 | $6.5M |
| Q4 2024 | 84.65% | 91.80% | $0 | $5.5M |
| Q1 2025 | 86.19% | 92.78% | $0 | $5.5M |
| Q2 2025 | 89.42% | 93.37% | $0 | $5.5M |
| Q3 2025 | 82.88% | 93.57% | $0 | $5.5M |
| Q4 2025 | 82.35% | 95.07% | $0 | $5.5M |
| Q1 2026 | 89.71% | 94.50% | $0 | $4.5M |
| Q2 2026 | 89.43% | 82.81% | $0 | $4.5M |
Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34020) · FFIEC NIC profile (RSSD 2304636)