Community 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.
Other borrowed money dropped 64.5% in Q2 2026, from $38.9M to $13.8M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Community National Bank ranks 3rd highest among the 12 banks headquartered in Vermont, at 98.87% (Q2 2026). Community National Bank reported 98.87% on loan-to-deposit ratio for Q2 2026, 10.67 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $153.6M |
| 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 | $35.0M |
| Other borrowed money | $13.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.87% |
| Net loans and leases to deposits | 97.66% |
| Loans and leases to core deposits | 103.97% |
| Core deposits to total deposits | 92.07% |
| Brokered deposits to total deposits | 3.03% |
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 | 92.97% | 97.61% | $31.6M | $52.6M |
| Q4 2023 | 94.20% | 97.25% | $36.3M | $58.0M |
| Q1 2024 | 98.03% | 96.59% | $27.2M | $88.6M |
| Q2 2024 | 101.52% | 94.79% | $31.2M | $110.0M |
| Q3 2024 | 98.13% | 94.69% | $32.6M | $96.9M |
| Q4 2024 | 92.61% | 94.37% | $48.9M | $75.8M |
| Q1 2025 | 95.99% | 94.44% | $44.4M | $39.2M |
| Q2 2025 | 100.95% | 93.41% | $46.2M | $58.9M |
| Q3 2025 | 95.43% | 92.11% | $34.2M | $49.3M |
| Q4 2025 | 90.13% | 92.78% | $41.5M | $38.9M |
| Q1 2026 | 96.65% | 91.99% | $40.1M | $38.9M |
| Q2 2026 | 98.87% | 92.07% | $35.0M | $13.8M |
Community 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 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6271) · FFIEC NIC profile (RSSD 270504)