The Community Bank: 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: 3.17 percentage points lower than in Q1 2026, at 77.05%. Within Texas, The Community Bank is 236th of 346 on loan-to-deposit ratio, 62.33% as of Q2 2026, below the middle of the field. The Community Bank reported 62.33% on loan-to-deposit ratio for Q2 2026, 18.51 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 | $26.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.4M |
| Fed funds sold and reverse repos | $10.1M |
| Fed funds sold and reverse repos to assets | 4.76% |
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 | 62.33% |
| Net loans and leases to deposits | 61.85% |
| Loans and leases to core deposits | 77.05% |
| Core deposits to total deposits | 80.89% |
| 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 | 69.79% | 88.86% | $0 | $0 |
| Q4 2023 | 70.35% | 87.41% | $0 | $0 |
| Q1 2024 | 62.77% | 88.74% | $0 | $0 |
| Q2 2024 | 72.24% | 87.87% | $0 | $0 |
| Q3 2024 | 67.57% | 85.65% | $0 | $0 |
| Q4 2024 | 74.68% | 86.00% | $0 | $0 |
| Q1 2025 | 69.56% | 82.56% | $0 | $0 |
| Q2 2025 | 70.90% | 82.12% | $0 | $0 |
| Q3 2025 | 68.99% | 82.40% | $0 | $0 |
| Q4 2025 | 65.14% | 80.56% | $0 | $0 |
| Q1 2026 | 64.44% | 80.33% | $0 | $0 |
| Q2 2026 | 62.33% | 80.89% | $0 | $0 |
The Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Community Bank, 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 The Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58517) · FFIEC NIC profile (RSSD 3479018)