Community Bank & Trust Company: 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 3.68 percentage points in Q2 2026, from 81.10% to 84.77%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Community Bank & Trust Company is 163rd of 225 on loan-to-deposit ratio, 69.82% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank & Trust Company sits 11.02 points lower, at 69.82% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $91.2M |
| 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 | $162K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.82% |
| Net loans and leases to deposits | 68.78% |
| Loans and leases to core deposits | 84.77% |
| Core deposits to total deposits | 82.36% |
| 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 | 61.61% | 88.38% | $0 | $5.6M |
| Q4 2023 | 62.28% | 91.72% | $0 | $5.6M |
| Q1 2024 | 60.41% | 93.04% | $0 | $5.6M |
| Q2 2024 | 61.11% | 90.35% | $0 | $4.6M |
| Q3 2024 | 60.58% | 87.90% | $0 | $2.6M |
| Q4 2024 | 61.25% | 89.96% | $0 | $2.6M |
| Q1 2025 | 60.48% | 89.30% | $0 | $2.6M |
| Q2 2025 | 63.13% | 88.89% | $0 | $2.6M |
| Q3 2025 | 66.84% | 88.94% | $0 | $40K |
| Q4 2025 | 64.35% | 81.06% | $0 | $30K |
| Q1 2026 | 67.26% | 82.94% | $0 | $18K |
| Q2 2026 | 69.82% | 82.36% | $0 | $162K |
Community Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23189) · FFIEC NIC profile (RSSD 1015841)