Community Federal Savings 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 Cash and noninterest-bearing balances to assets: 2.83 percentage points lower than in Q1 2026, at 30.36%. Community Federal Savings Bank ranks 90th of 105 New York banks on loan-to-deposit ratio, in the lower half at 55.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Federal Savings Bank sits 25.16 points lower, at 55.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $251.1M |
| Cash and noninterest-bearing balances to assets | 30.36% |
| Cash and securities | $369.8M |
| 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 | 55.68% |
| Net loans and leases to deposits | 55.11% |
| Loans and leases to core deposits | 55.68% |
| Core deposits to total deposits | 100.00% |
| 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 | 41.80% | 100.00% | $0 | $6.5M |
| Q4 2023 | 41.90% | 100.00% | $0 | $5.6M |
| Q1 2024 | 34.26% | 100.00% | $0 | $4.5M |
| Q2 2024 | 40.58% | 100.00% | $0 | $3.6M |
| Q3 2024 | 41.83% | 100.00% | $0 | $2.9M |
| Q4 2024 | 38.52% | 100.00% | $0 | $2.4M |
| Q1 2025 | 44.94% | 100.00% | $0 | $1.9M |
| Q2 2025 | 45.88% | 100.00% | $0 | $1.3M |
| Q3 2025 | 46.16% | 100.00% | $0 | $0 |
| Q4 2025 | 47.04% | 99.93% | $0 | $0 |
| Q1 2026 | 52.87% | 99.93% | $0 | $0 |
| Q2 2026 | 55.68% | 100.00% | $0 | $0 |
Community Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Federal Savings 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 Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57129) · FFIEC NIC profile (RSSD 3040418)