Community First 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.
Cash and balances due from depository institutions climbed 15.0% in Q2 2026, from $31.7M to $36.4M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Community First Bank is 118th of 153 on loan-to-deposit ratio, 76.54% 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 First Bank sits 4.29 points lower, at 76.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.4M |
| Cash and noninterest-bearing balances to assets | 5.16% |
| Cash and securities | $201.8M |
| Fed funds sold and reverse repos | $3.7M |
| Fed funds sold and reverse repos to assets | 0.59% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $8.9M |
| Other borrowed money | $36.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.54% |
| Net loans and leases to deposits | 75.63% |
| Loans and leases to core deposits | 81.55% |
| Core deposits to total deposits | 93.86% |
| 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 | 73.86% | 93.26% | $9.6M | $19.0M |
| Q4 2023 | 77.19% | 93.66% | $16.5M | $25.0M |
| Q1 2024 | 77.06% | 94.16% | $9.1M | $29.9M |
| Q2 2024 | 78.04% | 93.91% | $8.1M | $29.9M |
| Q3 2024 | 79.08% | 94.11% | $7.7M | $39.9M |
| Q4 2024 | 77.07% | 90.09% | $9.3M | $19.8M |
| Q1 2025 | 73.59% | 91.68% | $8.1M | $21.7M |
| Q2 2025 | 71.40% | 90.85% | $9.4M | $22.3M |
| Q3 2025 | 71.87% | 91.51% | $8.8M | $22.3M |
| Q4 2025 | 75.62% | 92.30% | $7.1M | $33.4M |
| Q1 2026 | 76.84% | 93.95% | $9.1M | $33.1M |
| Q2 2026 | 76.54% | 93.86% | $8.9M | $36.3M |
Community First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11595) · FFIEC NIC profile (RSSD 175140)