Community Bank Delaware: 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: 79.4% higher than in Q1 2026, at $36.0M. On loan-to-deposit ratio, Community Bank Delaware ranks 3rd highest among the 17 banks headquartered in Delaware, at 97.45% (Q2 2026). Community Bank Delaware reported 97.45% on loan-to-deposit ratio for Q2 2026, 16.61 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.4M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 0.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $27.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.45% |
| Net loans and leases to deposits | 96.57% |
| Loans and leases to core deposits | 112.10% |
| Core deposits to total deposits | 78.89% |
| Brokered deposits to total deposits | 8.04% |
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 | 102.81% | 88.51% | $0 | $30.0M |
| Q4 2023 | 106.39% | 84.55% | $995K | $32.0M |
| Q1 2024 | 112.35% | 84.70% | $0 | $49.0M |
| Q2 2024 | 108.13% | 84.76% | $0 | $44.2M |
| Q3 2024 | 107.50% | 84.56% | $0 | $40.8M |
| Q4 2024 | 107.86% | 82.75% | $0 | $45.2M |
| Q1 2025 | 108.35% | 81.05% | $0 | $46.9M |
| Q2 2025 | 100.74% | 79.61% | $0 | $42.4M |
| Q3 2025 | 96.43% | 77.90% | $0 | $25.4M |
| Q4 2025 | 97.23% | 81.22% | $0 | $27.5M |
| Q1 2026 | 99.46% | 76.18% | $0 | $25.0M |
| Q2 2026 | 97.45% | 78.89% | $0 | $27.3M |
Community Bank Delaware liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Delaware, 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 Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58311) · FFIEC NIC profile (RSSD 3446784)