Community National Bank & Trust: 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 sold and reverse repos: 18.0% lower than in Q1 2026, at $4.5M. Community National Bank & Trust ranks 86th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 76.81% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Community National Bank & Trust sits 11.39 points lower, at 76.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $221.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $664.4M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 0.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $53.3M |
| Other borrowed money | $4.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.81% |
| Net loans and leases to deposits | 75.89% |
| Loans and leases to core deposits | 84.14% |
| Core deposits to total deposits | 90.62% |
| Brokered deposits to total deposits | 0.67% |
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 | 73.32% | 89.65% | $42.4M | $58.0M |
| Q4 2023 | 74.09% | 88.86% | $48.0M | $58.0M |
| Q1 2024 | 73.82% | 90.40% | $43.9M | $56.9M |
| Q2 2024 | 75.63% | 89.12% | $44.3M | $56.4M |
| Q3 2024 | 75.96% | 88.02% | $44.1M | $56.0M |
| Q4 2024 | 77.71% | 88.67% | $38.5M | $56.0M |
| Q1 2025 | 76.52% | 89.56% | $39.0M | $54.9M |
| Q2 2025 | 76.64% | 89.47% | $45.0M | $5.8M |
| Q3 2025 | 77.09% | 89.09% | $60.4M | $5.4M |
| Q4 2025 | 76.61% | 89.55% | $56.2M | $5.4M |
| Q1 2026 | 76.30% | 89.95% | $54.0M | $4.3M |
| Q2 2026 | 76.81% | 90.62% | $53.3M | $4.3M |
Community National Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27046) · FFIEC NIC profile (RSSD 923752)