Community Point 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 Cash and balances due from depository institutions: 16.3% lower than in Q1 2026, at $14.5M. Within Missouri, Community Point Bank is 47th of 192 on loan-to-deposit ratio, 94.35% as of Q2 2026, above the middle of the field. Community Point Bank reported 94.35% on loan-to-deposit ratio for Q2 2026, 13.51 points above 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 | $14.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.6M |
| 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 | $0 |
| Other borrowed money | $12.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.35% |
| Net loans and leases to deposits | 93.24% |
| Loans and leases to core deposits | 102.04% |
| Core deposits to total deposits | 92.12% |
| Brokered deposits to total deposits | 0.35% |
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 | 85.66% | 97.12% | $0 | $0 |
| Q4 2023 | 86.62% | 93.31% | $386K | $0 |
| Q1 2024 | 84.24% | 94.65% | $0 | $0 |
| Q2 2024 | 84.89% | 94.16% | $0 | $0 |
| Q3 2024 | 89.64% | 94.09% | $0 | $3.0M |
| Q4 2024 | 93.82% | 93.22% | $0 | $11.0M |
| Q1 2025 | 89.40% | 92.62% | $0 | $7.0M |
| Q2 2025 | 90.22% | 93.06% | $0 | $6.0M |
| Q3 2025 | 93.10% | 92.97% | $0 | $6.0M |
| Q4 2025 | 97.66% | 91.41% | $1.5M | $14.0M |
| Q1 2026 | 93.28% | 91.46% | $0 | $12.0M |
| Q2 2026 | 94.35% | 92.12% | $0 | $12.0M |
Community Point Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Point 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 Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14604) · FFIEC NIC profile (RSSD 527057)