Community Bank and Trust: 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 Loans and leases to core deposits: 2.60 percentage points higher than in Q1 2026, at 54.13%. Community Bank and Trust has the 16th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 52.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank and Trust sits 28.73 points lower, at 52.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $91.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $227.7M |
| 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 | $9.8M |
| 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 | 52.11% |
| Net loans and leases to deposits | 51.61% |
| Loans and leases to core deposits | 54.13% |
| Core deposits to total deposits | 96.27% |
| 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 | 52.54% | 99.21% | $16.7M | $0 |
| Q4 2023 | 53.81% | 99.03% | $12.0M | $0 |
| Q1 2024 | 49.10% | 98.72% | $12.2M | $0 |
| Q2 2024 | 48.86% | 98.16% | $16.8M | $0 |
| Q3 2024 | 49.54% | 98.06% | $14.7M | $0 |
| Q4 2024 | 49.03% | 97.37% | $11.7M | $0 |
| Q1 2025 | 48.72% | 97.50% | $13.0M | $0 |
| Q2 2025 | 49.50% | 97.44% | $18.5M | $0 |
| Q3 2025 | 51.52% | 96.86% | $18.4M | $0 |
| Q4 2025 | 53.34% | 96.54% | $16.6M | $0 |
| Q1 2026 | 50.13% | 97.29% | $10.1M | $0 |
| Q2 2026 | 52.11% | 96.27% | $9.8M | $0 |
Community Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13068) · FFIEC NIC profile (RSSD 957757)