Community Bank of the South: 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 11.8% in Q2 2026, from $93.1M to $104.1M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Community Bank of the South is 4th from the bottom among 81 Florida banks, 32.30% (Q2 2026). Community Bank of the South's loan-to-deposit ratio of 32.30% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 48.54 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $104.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $179.3M |
| 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 | 32.30% |
| Net loans and leases to deposits | 31.90% |
| Loans and leases to core deposits | 41.24% |
| Core deposits to total deposits | 78.31% |
| 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 | 29.94% | 83.82% | $0 | $0 |
| Q4 2023 | 31.34% | 81.50% | $0 | $0 |
| Q1 2024 | 32.47% | 80.69% | $0 | $0 |
| Q2 2024 | 30.92% | 80.49% | $0 | $0 |
| Q3 2024 | 29.28% | 73.90% | $0 | $0 |
| Q4 2024 | 30.11% | 73.98% | $0 | $0 |
| Q1 2025 | 30.19% | 75.33% | $0 | $0 |
| Q2 2025 | 29.05% | 74.66% | $0 | $0 |
| Q3 2025 | 31.35% | 78.01% | $0 | $0 |
| Q4 2025 | 31.12% | 79.38% | $0 | $0 |
| Q1 2026 | 32.89% | 78.86% | $0 | $0 |
| Q2 2026 | 32.30% | 78.31% | $0 | $0 |
Community Bank of the South 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 the South, 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 the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35212) · FFIEC NIC profile (RSSD 2860039)