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 to assets dropped 2.30 percentage points in Q2 2026, from 10.50% to 8.20%. It was the largest change from Q1 2026 among the key lines here. Community First Bank ranks 183rd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 61.31% (Q2 2026). Community First Bank reported 61.31% on loan-to-deposit ratio for Q2 2026, 19.25 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.3M |
| Fed funds sold and reverse repos | $10.4M |
| Fed funds sold and reverse repos to assets | 8.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.6M |
| Other borrowed money | $120K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.31% |
| Net loans and leases to deposits | 60.46% |
| Loans and leases to core deposits | 66.44% |
| Core deposits to total deposits | 92.27% |
| 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 | 67.28% | 91.40% | $1.9M | $4.2M |
| Q4 2023 | 66.65% | 90.30% | $853K | $4.2M |
| Q1 2024 | 68.19% | 92.34% | $1.9M | $4.2M |
| Q2 2024 | 69.14% | 92.26% | $2.0M | $185K |
| Q3 2024 | 65.39% | 92.48% | $2.1M | $182K |
| Q4 2024 | 66.35% | 92.39% | $2.1M | $178K |
| Q1 2025 | 64.17% | 93.22% | $2.3M | $175K |
| Q2 2025 | 63.52% | 92.64% | $2.4M | $146K |
| Q3 2025 | 64.15% | 93.79% | $1.4M | $141K |
| Q4 2025 | 63.08% | 92.89% | $1.4M | $133K |
| Q1 2026 | 60.42% | 91.63% | $1.6M | $130K |
| Q2 2026 | 61.31% | 92.27% | $1.6M | $120K |
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 5197) · FFIEC NIC profile (RSSD 923855)