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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 47.9% lower than in Q1 2026, at $16.4M. Community National Bank ranks 159th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 49.70% (Q2 2026). Community National Bank reported 49.70% on loan-to-deposit ratio for Q2 2026, 31.14 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $75.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $425.1M |
| Fed funds sold and reverse repos | $22.2M |
| Fed funds sold and reverse repos to assets | 2.60% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $16.4M |
| 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 | 49.70% |
| Net loans and leases to deposits | 49.07% |
| Loans and leases to core deposits | 52.32% |
| Core deposits to total deposits | 95.00% |
| 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 | 51.81% | 95.17% | $31.8M | $47.0M |
| Q4 2023 | 52.49% | 94.65% | $28.5M | $47.0M |
| Q1 2024 | 50.81% | 94.33% | $11.3M | $47.0M |
| Q2 2024 | 50.08% | 94.57% | $12.6M | $32.0M |
| Q3 2024 | 52.25% | 94.37% | $15.1M | $22.0M |
| Q4 2024 | 51.10% | 95.08% | $17.8M | $2.0M |
| Q1 2025 | 52.38% | 95.39% | $16.7M | $0 |
| Q2 2025 | 52.20% | 95.40% | $18.2M | $0 |
| Q3 2025 | 53.50% | 94.94% | $19.8M | $0 |
| Q4 2025 | 51.67% | 94.90% | $24.2M | $0 |
| Q1 2026 | 49.18% | 94.71% | $31.5M | $0 |
| Q2 2026 | 49.70% | 95.00% | $16.4M | $0 |
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 25665) · FFIEC NIC profile (RSSD 354552)