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 dropped 2.93 percentage points in Q2 2026, from 108.43% to 105.50%. It was the largest change from Q1 2026 among the key lines here. Community Bank ranks 54th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 89.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank sits 8.79 points higher, at 89.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.9M |
| 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 | 89.63% |
| Net loans and leases to deposits | 88.68% |
| Loans and leases to core deposits | 105.50% |
| Core deposits to total deposits | 84.95% |
| 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 | 90.44% | 91.56% | $0 | $0 |
| Q4 2023 | 88.92% | 91.53% | $0 | $0 |
| Q1 2024 | 87.38% | 90.46% | $0 | $5.0M |
| Q2 2024 | 93.43% | 89.87% | $0 | $5.0M |
| Q3 2024 | 95.05% | 89.11% | $0 | $14.0M |
| Q4 2024 | 94.87% | 87.26% | $0 | $4.5M |
| Q1 2025 | 92.37% | 85.10% | $0 | $0 |
| Q2 2025 | 92.46% | 86.59% | $0 | $0 |
| Q3 2025 | 93.75% | 85.70% | $0 | $0 |
| Q4 2025 | 90.24% | 85.83% | $0 | $0 |
| Q1 2026 | 91.83% | 84.69% | $0 | $0 |
| Q2 2026 | 89.63% | 84.95% | $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 25752) · FFIEC NIC profile (RSSD 572655)