Community Bank of Elmhurst: 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.
Loans and leases to core deposits climbed 2.95 percentage points in Q2 2026, from 81.57% to 84.51%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Community Bank of Elmhurst is 192nd of 323 on loan-to-deposit ratio, 72.06% as of Q2 2026, below the middle of the field. Community Bank of Elmhurst reported 72.06% on loan-to-deposit ratio for Q2 2026, 8.78 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 | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.7M |
| 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 | $5.4M |
| 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 | 72.06% |
| Net loans and leases to deposits | 70.85% |
| Loans and leases to core deposits | 84.51% |
| Core deposits to total deposits | 85.26% |
| Brokered deposits to total deposits | 5.65% |
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 | 61.50% | 88.98% | $0 | $6.5M |
| Q4 2023 | 65.43% | 90.03% | $4.5M | $6.5M |
| Q1 2024 | 68.99% | 88.27% | $2.0M | $13.0M |
| Q2 2024 | 68.21% | 87.13% | $2.0M | $13.0M |
| Q3 2024 | 69.36% | 89.14% | $0 | $13.0M |
| Q4 2024 | 68.34% | 81.91% | $1.1M | $6.5M |
| Q1 2025 | 64.94% | 81.28% | $0 | $0 |
| Q2 2025 | 65.61% | 83.40% | $0 | $0 |
| Q3 2025 | 66.73% | 82.96% | $0 | $0 |
| Q4 2025 | 66.24% | 84.91% | $0 | $0 |
| Q1 2026 | 70.18% | 86.04% | $0 | $0 |
| Q2 2026 | 72.06% | 85.26% | $5.4M | $0 |
Community Bank of Elmhurst 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 Elmhurst, 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 Elmhurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33805) · FFIEC NIC profile (RSSD 2044820)