Community Bank of Raymore: 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 dropped 30.4% in Q2 2026, from $28.5M to $19.9M. It was the largest change from Q1 2026 among the key lines here. Community Bank of Raymore has the 8th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 38.08% as of Q2 2026. Community Bank of Raymore's loan-to-deposit ratio of 38.08% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 42.76 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $210.1M |
| 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 | $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 | 38.08% |
| Net loans and leases to deposits | 37.93% |
| Loans and leases to core deposits | 38.64% |
| Core deposits to total deposits | 98.54% |
| 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 | 30.16% | 99.78% | $0 | $0 |
| Q4 2023 | 31.06% | 97.68% | $0 | $0 |
| Q1 2024 | 29.48% | 97.71% | $0 | $0 |
| Q2 2024 | 28.89% | 97.73% | $0 | $0 |
| Q3 2024 | 29.33% | 97.67% | $0 | $0 |
| Q4 2024 | 32.34% | 98.46% | $0 | $0 |
| Q1 2025 | 36.82% | 98.53% | $0 | $0 |
| Q2 2025 | 31.97% | 98.66% | $0 | $0 |
| Q3 2025 | 32.86% | 98.58% | $0 | $0 |
| Q4 2025 | 36.31% | 98.51% | $0 | $0 |
| Q1 2026 | 36.03% | 98.56% | $0 | $0 |
| Q2 2026 | 38.08% | 98.54% | $0 | $0 |
Community Bank of Raymore 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 Raymore, 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 Raymore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22867) · FFIEC NIC profile (RSSD 716851)