Community Spirit 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 Fed funds sold and reverse repos: 11.6% lower than in Q1 2026, at $1.3M. Within Alabama, Community Spirit Bank is 39th of 93 on loan-to-deposit ratio, 73.43% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Spirit Bank sits 7.41 points lower, at 73.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.8M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.58% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.43% |
| Net loans and leases to deposits | 72.48% |
| Loans and leases to core deposits | 89.68% |
| Core deposits to total deposits | 80.18% |
| Brokered deposits to total deposits | 1.70% |
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 | 64.31% | 81.85% | $0 | $475K |
| Q4 2023 | 65.50% | 81.76% | $0 | $225K |
| Q1 2024 | 67.96% | 86.09% | $0 | $225K |
| Q2 2024 | 69.68% | 85.58% | $0 | $225K |
| Q3 2024 | 69.87% | 83.95% | $0 | $0 |
| Q4 2024 | 69.22% | 84.30% | $0 | $0 |
| Q1 2025 | 70.98% | 84.28% | $0 | $1.0M |
| Q2 2025 | 72.78% | 81.94% | $0 | $1.0M |
| Q3 2025 | 73.38% | 81.74% | $0 | $1.0M |
| Q4 2025 | 73.90% | 81.73% | $0 | $2.0M |
| Q1 2026 | 73.40% | 80.30% | $0 | $2.0M |
| Q2 2026 | 73.43% | 80.18% | $0 | $2.0M |
Community Spirit Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Spirit 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 Spirit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 50) · FFIEC NIC profile (RSSD 470032)