Community Commerce 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.
Fed funds sold and reverse repos dropped 21.5% in Q2 2026, from $5.7M to $4.5M. It was the largest change from Q1 2026 among the key lines here. Within California, Community Commerce Bank is 25th of 114 on loan-to-deposit ratio, 100.08% as of Q2 2026. Community Commerce Bank reported 100.08% on loan-to-deposit ratio for Q2 2026, 19.52 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.9M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 1.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.24% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.08% |
| Net loans and leases to deposits | 98.94% |
| Loans and leases to core deposits | 131.85% |
| Core deposits to total deposits | 67.56% |
| Brokered deposits to total deposits | 8.34% |
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 | 99.16% | 62.70% | $0 | $27.0M |
| Q4 2023 | 102.39% | 64.05% | $0 | $32.0M |
| Q1 2024 | 100.40% | 64.13% | $0 | $27.0M |
| Q2 2024 | 97.77% | 64.11% | $0 | $22.0M |
| Q3 2024 | 97.74% | 65.13% | $0 | $22.0M |
| Q4 2024 | 96.68% | 64.28% | $0 | $22.0M |
| Q1 2025 | 96.73% | 63.80% | $0 | $22.0M |
| Q2 2025 | 98.46% | 63.05% | $0 | $27.0M |
| Q3 2025 | 97.82% | 65.95% | $0 | $27.0M |
| Q4 2025 | 97.54% | 65.20% | $0 | $27.3M |
| Q1 2026 | 99.03% | 66.38% | $0 | $27.1M |
| Q2 2026 | 100.08% | 67.56% | $0 | $30.6M |
Community Commerce Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Commerce 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 Community Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26363) · FFIEC NIC profile (RSSD 299868)