Community First Bank of the Heartland: 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 Q3 2026 was in Cash and balances due from depository institutions: 24.1% lower than in Q2 2026, at $9.3M. Community First Bank of the Heartland ranks 120th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.90% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Community First Bank of the Heartland reported 82.03% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 82.03% |
| Net loans and leases to deposits | 81.13% |
| Loans and leases to core deposits | 93.27% |
| Core deposits to total deposits | 87.95% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 85.11% | 91.74% | $0 | $0 |
| Q1 2024 | 87.17% | 89.50% | $0 | $10.8M |
| Q2 2024 | 88.09% | 89.45% | $1.6M | $3.0M |
| Q3 2024 | 91.52% | 89.22% | $535K | $11.0M |
| Q4 2024 | 95.53% | 88.92% | $0 | $16.0M |
| Q1 2025 | 91.66% | 90.07% | $0 | $10.0M |
| Q2 2025 | 86.32% | 89.74% | $0 | $0 |
| Q3 2025 | 88.45% | 89.93% | $2.3M | $0 |
| Q4 2025 | 85.91% | 90.08% | $0 | $0 |
| Q1 2026 | 80.80% | 89.57% | $0 | $0 |
| Q2 2026 | 80.90% | 88.14% | $0 | $0 |
| Q3 2026 | 82.03% | 87.95% | $0 | $0 |
Community First Bank of the Heartland 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 the Heartland, 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 the Heartland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3846) · FFIEC NIC profile (RSSD 273840)