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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 42.3% higher than in Q1 2026, at $12.7M. Within Oklahoma, Community Bank is 44th of 169 on loan-to-deposit ratio, 91.15% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Community Bank sits 10.60 points higher, at 91.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.4M |
| 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 | 91.15% |
| Net loans and leases to deposits | 90.09% |
| Loans and leases to core deposits | 108.19% |
| Core deposits to total deposits | 84.25% |
| 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 | 80.74% | 90.72% | $0 | $0 |
| Q4 2023 | 83.84% | 90.30% | $0 | $0 |
| Q1 2024 | 81.75% | 89.50% | $0 | $0 |
| Q2 2024 | 87.11% | 89.67% | $0 | $0 |
| Q3 2024 | 87.61% | 88.19% | $0 | $0 |
| Q4 2024 | 90.29% | 85.88% | $0 | $0 |
| Q1 2025 | 86.51% | 86.06% | $0 | $0 |
| Q2 2025 | 94.07% | 86.08% | $0 | $0 |
| Q3 2025 | 90.18% | 85.04% | $0 | $0 |
| Q4 2025 | 93.19% | 85.39% | $0 | $0 |
| Q1 2026 | 92.82% | 85.50% | $0 | $0 |
| Q2 2026 | 91.15% | 84.25% | $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 8975) · FFIEC NIC profile (RSSD 938550)