Community Bank, N.A.: 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: 58.1% lower than in Q1 2026, at $228.7M. Within New York, Community Bank, N.A. is 71st of 105 on loan-to-deposit ratio, 75.88% as of Q2 2026, below the middle of the field. Community Bank, N.A. reported 75.88% on loan-to-deposit ratio for Q2 2026, 10.95 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $228.7M |
| Cash and noninterest-bearing balances to assets | 1.31% |
| Cash and securities | $4.66B |
| 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 | $157.6M |
| Other borrowed money | $606.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.88% |
| Net loans and leases to deposits | 75.26% |
| Loans and leases to core deposits | 78.46% |
| Core deposits to total deposits | 96.71% |
| 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 | 71.31% | 97.28% | $330.3M | $316.8M |
| Q4 2023 | 73.78% | 96.61% | $304.6M | $460.6M |
| Q1 2024 | 72.94% | 96.01% | $287.2M | $395.1M |
| Q2 2024 | 75.16% | 95.89% | $215.5M | $716.7M |
| Q3 2024 | 74.86% | 95.12% | $317.4M | $631.0M |
| Q4 2024 | 76.43% | 95.06% | $261.6M | $737.3M |
| Q1 2025 | 73.99% | 95.54% | $266.6M | $595.5M |
| Q2 2025 | 75.68% | 95.80% | $180.6M | $713.8M |
| Q3 2025 | 75.62% | 96.48% | $224.2M | $539.2M |
| Q4 2025 | 75.24% | 96.23% | $231.2M | $458.8M |
| Q1 2026 | 74.14% | 96.54% | $201.0M | $446.3M |
| Q2 2026 | 75.88% | 96.71% | $157.6M | $606.5M |
Community Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6989) · FFIEC NIC profile (RSSD 202907)