Community Bank: Core Deposit Ratio
BankRegReports is independent of Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community Bank reported a core deposit ratio of 93.08% as of Q2 2026, ranking #943 of 3,642 U.S. banks (74th percentile). That is up 2.58 percentage points from 90.50% a year earlier, and above the 88.37% median of the 874 Large Community Banks ($1B–$10B in assets). Core deposits are stable, low-cost funding, non-time deposits below the FDIC insurance threshold. The bedrock of the community-bank funding model.
12-Quarter Trend
Source: FFIEC call reports, standardized by BankRegReports. Open the filed call report for Q2 2026 on the FFIEC CDR.
National Context
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
Most US community banks report core deposit ratios between 75% and 95%. Above 90% indicates a strong franchise, likely consumer-checking-heavy or relationship-banking-heavy. Below 70% indicates significant wholesale funding reliance (brokered deposits or large time deposits).
Full definition & formula →Frequently asked questions
What is Community Bank's Core Deposit Ratio?
Community Bank's Core Deposit Ratio was 93.08% as of Q2 2026, ranking #943 of 3,642 U.S. banks.
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
More Community Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Community Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 7848) · FFIEC NIC profile (RSSD 371924)