Community Resource 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: 59.2% lower than in Q1 2026, at $13.1M. Within Minnesota, Community Resource Bank is 72nd of 221 on loan-to-deposit ratio, 88.11% as of Q2 2026, above the middle of the field. Community Resource Bank reported 88.11% on loan-to-deposit ratio for Q2 2026, 7.27 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 | $13.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.5M |
| Fed funds sold and reverse repos | $11K |
| 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 | $17.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.11% |
| Net loans and leases to deposits | 86.95% |
| Loans and leases to core deposits | 94.53% |
| Core deposits to total deposits | 92.34% |
| Brokered deposits to total deposits | 0.86% |
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 | 91.52% | 81.64% | $0 | $21.0M |
| Q4 2023 | 95.06% | 82.58% | $0 | $21.2M |
| Q1 2024 | 96.36% | 82.75% | $0 | $25.8M |
| Q2 2024 | 97.94% | 83.80% | $0 | $17.7M |
| Q3 2024 | 100.98% | 82.58% | $0 | $23.7M |
| Q4 2024 | 105.52% | 90.33% | $0 | $35.3M |
| Q1 2025 | 104.07% | 90.36% | $0 | $27.9M |
| Q2 2025 | 88.14% | 91.33% | $0 | $25.5M |
| Q3 2025 | 87.83% | 91.57% | $0 | $22.5M |
| Q4 2025 | 90.75% | 91.81% | $0 | $29.7M |
| Q1 2026 | 83.09% | 92.59% | $0 | $19.0M |
| Q2 2026 | 88.11% | 92.34% | $0 | $17.0M |
Community Resource Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Resource 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 Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5219) · FFIEC NIC profile (RSSD 813853)