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.
Loans and leases to core deposits climbed 3.08 percentage points in Q2 2026, from 74.97% to 78.05%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Community Bank is 34th of 56 on loan-to-deposit ratio, 70.65% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Community Bank sits 3.02 points higher, at 70.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.3M |
| 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 | 70.65% |
| Net loans and leases to deposits | 69.78% |
| Loans and leases to core deposits | 78.05% |
| Core deposits to total deposits | 87.19% |
| Brokered deposits to total deposits | 3.32% |
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 | 57.00% | 95.44% | $575K | $2.0M |
| Q4 2023 | 57.81% | 95.06% | $0 | $5.5M |
| Q1 2024 | 58.62% | 95.58% | $0 | $5.5M |
| Q2 2024 | 59.93% | 92.93% | $0 | $5.5M |
| Q3 2024 | 62.78% | 93.42% | $0 | $3.5M |
| Q4 2024 | 64.75% | 91.34% | $0 | $3.6M |
| Q1 2025 | 66.55% | 90.58% | $0 | $0 |
| Q2 2025 | 69.84% | 90.20% | $800K | $0 |
| Q3 2025 | 72.24% | 83.94% | $0 | $2.0M |
| Q4 2025 | 72.60% | 87.29% | $0 | $2.0M |
| Q1 2026 | 68.71% | 88.41% | $0 | $0 |
| Q2 2026 | 70.65% | 87.19% | $0 | $0 |
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 1687) · FFIEC NIC profile (RSSD 276953)