Community Savings 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: 14.77 percentage points lower than in Q1 2026, at 105.97%. Community Savings Bank ranks 28th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 97.18% (Q2 2026). Community Savings Bank reported 97.18% on loan-to-deposit ratio for Q2 2026, 16.35 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 | $15.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.2M |
| 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 | $7.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.18% |
| Net loans and leases to deposits | 96.72% |
| Loans and leases to core deposits | 105.97% |
| Core deposits to total deposits | 85.25% |
| Brokered deposits to total deposits | 6.45% |
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 | 108.13% | 91.67% | $0 | $2.5M |
| Q4 2023 | 107.29% | 91.28% | $0 | $2.5M |
| Q1 2024 | 106.26% | 90.92% | $0 | $3.9M |
| Q2 2024 | 106.76% | 90.97% | $0 | $3.9M |
| Q3 2024 | 105.29% | 91.11% | $0 | $3.5M |
| Q4 2024 | 105.56% | 91.04% | $0 | $3.5M |
| Q1 2025 | 107.41% | 92.65% | $0 | $3.2M |
| Q2 2025 | 113.55% | 82.37% | $0 | $11.4M |
| Q3 2025 | 112.88% | 81.64% | $0 | $10.6M |
| Q4 2025 | 112.39% | 81.92% | $0 | $10.6M |
| Q1 2026 | 110.19% | 81.65% | $0 | $10.6M |
| Q2 2026 | 97.18% | 85.25% | $0 | $7.4M |
Community Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32286) · FFIEC NIC profile (RSSD 847979)