Community Bank of Mississippi: 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 Loans and leases to core deposits: 2.88 percentage points higher than in Q1 2026, at 83.75%. Within Mississippi, Community Bank of Mississippi is 29th of 57 on loan-to-deposit ratio, 75.84% as of Q2 2026, below the middle of the field. Community Bank of Mississippi reported 75.84% on loan-to-deposit ratio for Q2 2026, 12.36 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $396.7M |
| Cash and noninterest-bearing balances to assets | 7.79% |
| Cash and securities | $1.34B |
| 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 | $1.7M |
| Other borrowed money | $4.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.84% |
| Net loans and leases to deposits | 74.98% |
| Loans and leases to core deposits | 83.75% |
| Core deposits to total deposits | 90.56% |
| 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 | 65.11% | 90.89% | $1.7M | $5.5M |
| Q4 2023 | 66.84% | 90.16% | $1.7M | $205.5M |
| Q1 2024 | 66.82% | 90.40% | $1.7M | $205.1M |
| Q2 2024 | 69.73% | 90.50% | $1.7M | $205.2M |
| Q3 2024 | 70.80% | 89.82% | $1.7M | $205.2M |
| Q4 2024 | 71.58% | 89.95% | $1.7M | $4.8M |
| Q1 2025 | 71.17% | 89.98% | $1.7M | $4.5M |
| Q2 2025 | 74.00% | 90.18% | $1.7M | $4.5M |
| Q3 2025 | 72.72% | 89.83% | $1.7M | $4.2M |
| Q4 2025 | 73.22% | 89.84% | $1.7M | $4.4M |
| Q1 2026 | 73.00% | 90.27% | $1.7M | $4.5M |
| Q2 2026 | 75.84% | 90.56% | $1.7M | $4.2M |
Community Bank of Mississippi 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 Mississippi, 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 Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8879) · FFIEC NIC profile (RSSD 460033)