Community Financial Services 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 Other borrowed money: 20.5% higher than in Q1 2026, at $24.1M. Within Kentucky, Community Financial Services Bank is 71st of 120 on loan-to-deposit ratio, 79.77% as of Q2 2026, below the middle of the field. Community Financial Services Bank reported 79.77% on loan-to-deposit ratio for Q2 2026, 8.43 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $301.9M |
| 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 | $24.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.77% |
| Net loans and leases to deposits | 78.72% |
| Loans and leases to core deposits | 84.54% |
| Core deposits to total deposits | 92.90% |
| Brokered deposits to total deposits | 1.46% |
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 | 79.88% | 78.24% | $500K | $57.2M |
| Q4 2023 | 77.53% | 76.18% | $0 | $45.8M |
| Q1 2024 | 78.50% | 75.91% | $0 | $45.7M |
| Q2 2024 | 78.21% | 76.32% | $0 | $42.6M |
| Q3 2024 | 76.85% | 74.40% | $0 | $25.5M |
| Q4 2024 | 74.01% | 70.84% | $0 | $25.3M |
| Q1 2025 | 77.76% | 74.36% | $0 | $26.2M |
| Q2 2025 | 78.88% | 74.28% | $0 | $42.1M |
| Q3 2025 | 78.31% | 90.10% | $0 | $25.0M |
| Q4 2025 | 75.96% | 90.66% | $0 | $20.0M |
| Q1 2026 | 78.72% | 92.73% | $0 | $20.0M |
| Q2 2026 | 79.77% | 92.90% | $0 | $24.1M |
Community Financial Services Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Financial Services 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 Financial Services Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 287) · FFIEC NIC profile (RSSD 698144)