Community First National 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 dropped 68.0% in Q2 2026, from $1.7M to $551K. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Community First National Bank is 42nd of 182 on loan-to-deposit ratio, 89.62% 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 National Bank sits 8.79 points higher, at 89.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $69.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.0M |
| Fed funds sold and reverse repos | $551K |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.62% |
| Net loans and leases to deposits | 88.10% |
| Loans and leases to core deposits | 96.42% |
| Core deposits to total deposits | 92.00% |
| Brokered deposits to total deposits | 0.95% |
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 | 90.10% | 95.05% | $0 | $4.1M |
| Q4 2023 | 93.89% | 94.85% | $0 | $4.0M |
| Q1 2024 | 91.32% | 94.55% | $0 | $3.9M |
| Q2 2024 | 94.10% | 94.77% | $0 | $3.9M |
| Q3 2024 | 90.27% | 94.77% | $0 | $3.8M |
| Q4 2024 | 92.70% | 94.17% | $0 | $3.7M |
| Q1 2025 | 90.89% | 92.72% | $0 | $3.7M |
| Q2 2025 | 88.34% | 92.10% | $0 | $3.6M |
| Q3 2025 | 87.75% | 91.96% | $0 | $3.5M |
| Q4 2025 | 91.00% | 91.26% | $0 | $3.5M |
| Q1 2026 | 92.13% | 91.88% | $0 | $3.4M |
| Q2 2026 | 89.62% | 92.00% | $0 | $3.3M |
Community First National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35585) · FFIEC NIC profile (RSSD 2907019)