Community National Bank in Monmouth: 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.
Loan-to-deposit ratio dropped 6.21 percentage points in Q2 2026, from 77.15% to 70.93%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Community National Bank in Monmouth is 201st of 323 on loan-to-deposit ratio, 70.93% as of Q2 2026, below the middle of the field. Community National Bank in Monmouth reported 70.93% on loan-to-deposit ratio for Q2 2026, 3.31 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.2M |
| Cash and noninterest-bearing balances to assets | 12.98% |
| Cash and securities | $20.1M |
| 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 | $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 | 70.93% |
| Net loans and leases to deposits | 69.85% |
| Loans and leases to core deposits | 76.59% |
| Core deposits to total deposits | 92.62% |
| 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 | 63.98% | 86.81% | $0 | $0 |
| Q4 2023 | 56.87% | 86.56% | $0 | $0 |
| Q1 2024 | 66.60% | 92.14% | $0 | $0 |
| Q2 2024 | 66.98% | 90.16% | $0 | $0 |
| Q3 2024 | 71.90% | 89.85% | $0 | $0 |
| Q4 2024 | 70.20% | 90.51% | $0 | $0 |
| Q1 2025 | 75.17% | 90.85% | $0 | $0 |
| Q2 2025 | 69.68% | 90.69% | $0 | $0 |
| Q3 2025 | 78.91% | 89.92% | $0 | $0 |
| Q4 2025 | 72.60% | 94.66% | $0 | $0 |
| Q1 2026 | 77.15% | 94.57% | $0 | $0 |
| Q2 2026 | 70.93% | 92.62% | $0 | $0 |
Community National Bank in Monmouth 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 in Monmouth, 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 in Monmouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19230) · FFIEC NIC profile (RSSD 775241)