Community Bank of El Dorado Springs: 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.
Cash and balances due from depository institutions climbed 63.5% in Q2 2026, from $11.8M to $19.2M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community Bank of El Dorado Springs is 154th of 192 on loan-to-deposit ratio, 70.78% as of Q2 2026, below the middle of the field. Community Bank of El Dorado Springs reported 70.78% on loan-to-deposit ratio for Q2 2026, 10.06 points below 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 | $19.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.4M |
| Fed funds sold and reverse repos | $22.3M |
| Fed funds sold and reverse repos to assets | 15.50% |
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 | 70.78% |
| Net loans and leases to deposits | 70.02% |
| Loans and leases to core deposits | 73.94% |
| Core deposits to total deposits | 95.72% |
| 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 | 57.65% | 96.68% | $0 | $0 |
| Q4 2023 | 63.42% | 96.35% | $0 | $0 |
| Q1 2024 | 62.17% | 95.85% | $0 | $0 |
| Q2 2024 | 65.85% | 95.32% | $0 | $0 |
| Q3 2024 | 68.50% | 95.89% | $0 | $0 |
| Q4 2024 | 69.79% | 95.90% | $0 | $0 |
| Q1 2025 | 67.52% | 95.89% | $0 | $0 |
| Q2 2025 | 71.05% | 95.54% | $0 | $0 |
| Q3 2025 | 72.50% | 95.63% | $0 | $0 |
| Q4 2025 | 76.12% | 96.50% | $0 | $0 |
| Q1 2026 | 75.34% | 96.02% | $0 | $0 |
| Q2 2026 | 70.78% | 95.72% | $0 | $0 |
Community Bank of El Dorado Springs liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of El Dorado Springs, 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 of El Dorado Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23551) · FFIEC NIC profile (RSSD 766052)