Community Bank & Trust, Waco, Texas: 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.
Loan-to-deposit ratio dropped 1.48 percentage points in Q2 2026, from 68.56% to 67.08%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Community Bank & Trust, Waco, Texas is 207th of 346 on loan-to-deposit ratio, 67.08% as of Q2 2026, below the middle of the field. Community Bank & Trust, Waco, Texas reported 67.08% on loan-to-deposit ratio for Q2 2026, 13.76 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 | $54.0M |
| Cash and noninterest-bearing balances to assets | 8.32% |
| Cash and securities | $254.7M |
| 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 | 67.08% |
| Net loans and leases to deposits | 66.21% |
| Loans and leases to core deposits | 77.57% |
| Core deposits to total deposits | 79.79% |
| Brokered deposits to total deposits | 6.68% |
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 | 69.28% | 80.83% | $0 | $10.0M |
| Q4 2023 | 67.02% | 77.01% | $0 | $0 |
| Q1 2024 | 68.99% | 76.97% | $0 | $0 |
| Q2 2024 | 69.54% | 77.20% | $0 | $0 |
| Q3 2024 | 69.00% | 76.61% | $0 | $0 |
| Q4 2024 | 67.93% | 76.96% | $0 | $0 |
| Q1 2025 | 67.47% | 75.94% | $0 | $0 |
| Q2 2025 | 70.32% | 77.04% | $0 | $0 |
| Q3 2025 | 73.56% | 80.12% | $0 | $0 |
| Q4 2025 | 70.36% | 79.08% | $0 | $0 |
| Q1 2026 | 68.56% | 80.34% | $0 | $0 |
| Q2 2026 | 67.08% | 79.79% | $0 | $0 |
Community Bank & Trust, Waco, Texas 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, Waco, Texas, 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, Waco, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17108) · FFIEC NIC profile (RSSD 549862)