Community First Bank, N.A.: 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 Loans and leases to core deposits: 6.90 percentage points higher than in Q1 2026, at 71.14%. Community First Bank, N.A. ranks 124th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 67.47% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; Community First Bank, N.A. reported 67.47% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.8M |
| Fed funds sold and reverse repos | $750K |
| Fed funds sold and reverse repos to assets | 1.33% |
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 | 67.47% |
| Net loans and leases to deposits | 67.14% |
| Loans and leases to core deposits | 71.14% |
| Core deposits to total deposits | 94.84% |
| 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 | 52.52% | 96.39% | $0 | $0 |
| Q4 2023 | 54.57% | 96.34% | $0 | $0 |
| Q1 2024 | 54.58% | 95.04% | $0 | $0 |
| Q2 2024 | 56.76% | 94.72% | $0 | $0 |
| Q3 2024 | 57.96% | 96.19% | $0 | $0 |
| Q4 2024 | 61.07% | 96.00% | $0 | $0 |
| Q1 2025 | 56.42% | 96.19% | $0 | $0 |
| Q2 2025 | 58.75% | 95.03% | $0 | $0 |
| Q3 2025 | 57.86% | 94.55% | $0 | $0 |
| Q4 2025 | 62.97% | 94.24% | $0 | $0 |
| Q1 2026 | 61.02% | 94.99% | $0 | $0 |
| Q2 2026 | 67.47% | 94.84% | $0 | $0 |
Community First Bank, N.A. 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, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6584) · FFIEC NIC profile (RSSD 579319)