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.
Fed funds sold and reverse repos climbed 161.7% in Q2 2026, from $4.7M to $12.2M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community First Bank is 91st of 191 on loan-to-deposit ratio, 86.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Community First Bank sits 5.52 points higher, at 86.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.7M |
| Fed funds sold and reverse repos | $12.2M |
| Fed funds sold and reverse repos to assets | 4.71% |
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 | 86.08% |
| Net loans and leases to deposits | 84.70% |
| Loans and leases to core deposits | 90.12% |
| Core deposits to total deposits | 95.51% |
| 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 | 90.28% | 98.18% | $0 | $9.5M |
| Q4 2023 | 89.80% | 96.53% | $0 | $11.0M |
| Q1 2024 | 88.62% | 95.19% | $0 | $5.0M |
| Q2 2024 | 88.39% | 94.90% | $0 | $5.0M |
| Q3 2024 | 91.48% | 95.91% | $0 | $0 |
| Q4 2024 | 89.55% | 95.30% | $0 | $0 |
| Q1 2025 | 90.82% | 95.43% | $0 | $0 |
| Q2 2025 | 90.77% | 94.09% | $0 | $0 |
| Q3 2025 | 90.08% | 93.72% | $0 | $0 |
| Q4 2025 | 85.38% | 94.70% | $0 | $0 |
| Q1 2026 | 87.03% | 95.30% | $0 | $0 |
| Q2 2026 | 86.08% | 95.51% | $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 10595) · FFIEC NIC profile (RSSD 756848)