Community First Bank of Indiana: 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 Net loans and leases to deposits: 1.33 percentage points lower than in Q1 2026, at 97.82%. Within Indiana, Community First Bank of Indiana is 9th of 87 on loan-to-deposit ratio, 99.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community First Bank of Indiana sits 18.82 points higher, at 99.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $98.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $110.2M |
| 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 | $44.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.65% |
| Net loans and leases to deposits | 97.82% |
| Loans and leases to core deposits | 105.96% |
| Core deposits to total deposits | 83.09% |
| Brokered deposits to total deposits | 10.96% |
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 | 96.52% | 86.16% | $0 | $13.5M |
| Q4 2023 | 99.00% | 86.37% | $0 | $16.9M |
| Q1 2024 | 99.78% | 86.24% | $0 | $26.7M |
| Q2 2024 | 99.24% | 88.80% | $0 | $39.3M |
| Q3 2024 | 101.25% | 86.67% | $0 | $23.9M |
| Q4 2024 | 100.90% | 83.33% | $0 | $26.5M |
| Q1 2025 | 102.88% | 82.25% | $0 | $35.5M |
| Q2 2025 | 99.62% | 80.86% | $0 | $27.1M |
| Q3 2025 | 100.86% | 80.07% | $0 | $22.4M |
| Q4 2025 | 100.63% | 83.16% | $0 | $35.4M |
| Q1 2026 | 100.80% | 82.47% | $0 | $43.7M |
| Q2 2026 | 99.65% | 83.09% | $0 | $44.5M |
Community First Bank of Indiana 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 of Indiana, 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 of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57511) · FFIEC NIC profile (RSSD 3165357)