Community Bank of Memphis: 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.
Fed funds sold and reverse repos to assets climbed 10.77 percentage points in Q2 2026, from 0.27% to 11.04%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Community Bank of Memphis is 10th from the bottom among 192 Missouri banks, 44.86% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Community Bank of Memphis sits 22.76 points lower, at 44.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.9M |
| Fed funds sold and reverse repos | $7.0M |
| Fed funds sold and reverse repos to assets | 11.04% |
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 | 44.86% |
| Net loans and leases to deposits | 43.50% |
| Loans and leases to core deposits | 47.10% |
| Core deposits to total deposits | 95.25% |
| 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 | 62.14% | 97.11% | $0 | $0 |
| Q4 2023 | 61.10% | 97.61% | $0 | $0 |
| Q1 2024 | 65.67% | 98.45% | $0 | $0 |
| Q2 2024 | 66.46% | 98.49% | $0 | $0 |
| Q3 2024 | 63.79% | 98.48% | $0 | $0 |
| Q4 2024 | 58.92% | 98.57% | $0 | $0 |
| Q1 2025 | 51.29% | 98.75% | $0 | $0 |
| Q2 2025 | 51.82% | 98.71% | $0 | $0 |
| Q3 2025 | 54.05% | 96.75% | $0 | $0 |
| Q4 2025 | 47.10% | 97.09% | $0 | $0 |
| Q1 2026 | 47.05% | 94.13% | $0 | $0 |
| Q2 2026 | 44.86% | 95.25% | $0 | $0 |
Community Bank of Memphis 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 Memphis, 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 Memphis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35094) · FFIEC NIC profile (RSSD 2724766)