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.
Loans and leases to core deposits climbed 3.51 percentage points in Q2 2026, from 81.89% to 85.40%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Community Bank is 86th of 156 on loan-to-deposit ratio, 80.07% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; The Community Bank reported 80.07% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $71.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $172.3M |
| Fed funds sold and reverse repos | $56.0M |
| Fed funds sold and reverse repos to assets | 8.23% |
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 | 80.07% |
| Net loans and leases to deposits | 79.28% |
| Loans and leases to core deposits | 85.40% |
| Core deposits to total deposits | 93.76% |
| 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 | 82.54% | 96.67% | $0 | $27.0M |
| Q4 2023 | 83.77% | 95.80% | $0 | $27.0M |
| Q1 2024 | 81.28% | 95.30% | $0 | $0 |
| Q2 2024 | 80.75% | 95.27% | $0 | $0 |
| Q3 2024 | 74.55% | 95.25% | $0 | $0 |
| Q4 2024 | 75.54% | 95.32% | $0 | $0 |
| Q1 2025 | 73.57% | 95.41% | $0 | $0 |
| Q2 2025 | 75.33% | 95.33% | $0 | $0 |
| Q3 2025 | 74.89% | 95.49% | $0 | $0 |
| Q4 2025 | 76.25% | 95.01% | $0 | $0 |
| Q1 2026 | 77.38% | 94.49% | $0 | $0 |
| Q2 2026 | 80.07% | 93.76% | $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 5981) · FFIEC NIC profile (RSSD 729011)