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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 68.7% lower than in Q1 2026, at $2.3M. Community First Bank ranks 125th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 74.79% (Q2 2026). Community First Bank reported 74.79% on loan-to-deposit ratio for Q2 2026, 7.46 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.6M |
| Fed funds sold and reverse repos | $49K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.79% |
| Net loans and leases to deposits | 73.99% |
| Loans and leases to core deposits | 76.64% |
| Core deposits to total deposits | 93.64% |
| Brokered deposits to total deposits | 3.94% |
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 | 69.40% | 97.03% | $0 | $9.9M |
| Q4 2023 | 68.51% | 97.08% | $0 | $7.0M |
| Q1 2024 | 69.49% | 96.99% | $0 | $7.0M |
| Q2 2024 | 70.88% | 96.88% | $0 | $7.0M |
| Q3 2024 | 71.82% | 94.63% | $423K | $7.0M |
| Q4 2024 | 72.02% | 95.34% | $0 | $7.0M |
| Q1 2025 | 70.93% | 96.07% | $0 | $7.0M |
| Q2 2025 | 75.48% | 94.94% | $1.2M | $7.0M |
| Q3 2025 | 77.92% | 89.43% | $1.3M | $9.0M |
| Q4 2025 | 72.07% | 93.96% | $0 | $9.0M |
| Q1 2026 | 73.73% | 93.26% | $0 | $9.0M |
| Q2 2026 | 74.79% | 93.64% | $0 | $4.0M |
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 12512) · FFIEC NIC profile (RSSD 62147)