Community Neighbor 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 Loans and leases to core deposits: 2.99 percentage points higher than in Q1 2026, at 64.78%. Community Neighbor Bank ranks 62nd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 59.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Neighbor Bank sits 21.03 points lower, at 59.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.5M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.96% |
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 | 59.81% |
| Net loans and leases to deposits | 58.91% |
| Loans and leases to core deposits | 64.78% |
| Core deposits to total deposits | 92.34% |
| 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 | 68.48% | 92.40% | $0 | $15.0M |
| Q4 2023 | 70.72% | 91.30% | $0 | $15.0M |
| Q1 2024 | 67.90% | 91.68% | $0 | $10.0M |
| Q2 2024 | 59.56% | 93.29% | $0 | $0 |
| Q3 2024 | 60.71% | 93.56% | $0 | $0 |
| Q4 2024 | 59.61% | 93.44% | $0 | $0 |
| Q1 2025 | 60.12% | 93.10% | $0 | $0 |
| Q2 2025 | 61.48% | 92.85% | $0 | $0 |
| Q3 2025 | 64.46% | 92.13% | $0 | $0 |
| Q4 2025 | 57.25% | 93.28% | $0 | $0 |
| Q1 2026 | 57.35% | 92.83% | $0 | $0 |
| Q2 2026 | 59.81% | 92.34% | $0 | $0 |
Community Neighbor Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Neighbor 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 Neighbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2787) · FFIEC NIC profile (RSSD 466932)