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.
Loans and leases to core deposits climbed 2.53 percentage points in Q2 2026, from 80.84% to 83.37%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Community First Bank is 60th of 103 on loan-to-deposit ratio, 76.28% as of Q2 2026, below the middle of the field. Community First Bank reported 76.28% on loan-to-deposit ratio for Q2 2026, 4.56 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 | $80.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $221.2M |
| 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 | 76.28% |
| Net loans and leases to deposits | 75.20% |
| Loans and leases to core deposits | 83.37% |
| Core deposits to total deposits | 91.50% |
| 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 | 86.67% | 90.46% | $0 | $50.0M |
| Q4 2023 | 86.10% | 90.12% | $0 | $50.0M |
| Q1 2024 | 83.87% | 89.45% | $0 | $15.0M |
| Q2 2024 | 87.66% | 89.45% | $0 | $0 |
| Q3 2024 | 90.03% | 89.40% | $1.0M | $0 |
| Q4 2024 | 86.91% | 89.55% | $0 | $0 |
| Q1 2025 | 80.67% | 90.36% | $0 | $0 |
| Q2 2025 | 80.60% | 90.20% | $0 | $0 |
| Q3 2025 | 81.84% | 91.02% | $0 | $0 |
| Q4 2025 | 80.19% | 91.41% | $0 | $0 |
| Q1 2026 | 74.35% | 91.97% | $0 | $0 |
| Q2 2026 | 76.28% | 91.50% | $0 | $0 |
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 35020) · FFIEC NIC profile (RSSD 2775179)