Community State 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.
Loans and leases to core deposits climbed 16.47 percentage points in Q2 2026, from 120.62% to 137.10%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Community State Bank is 13th of 87 on loan-to-deposit ratio, 98.29% 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 State Bank sits 17.46 points higher, at 98.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.0M |
| Fed funds sold and reverse repos | $7.5M |
| Fed funds sold and reverse repos to assets | 4.63% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.29% |
| Net loans and leases to deposits | 97.30% |
| Loans and leases to core deposits | 137.10% |
| Core deposits to total deposits | 55.94% |
| Brokered deposits to total deposits | 15.76% |
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 | 99.10% | 76.11% | $0 | $11.0M |
| Q4 2023 | 99.18% | 77.09% | $0 | $10.0M |
| Q1 2024 | 96.88% | 75.99% | $0 | $9.0M |
| Q2 2024 | 99.45% | 69.16% | $0 | $12.0M |
| Q3 2024 | 99.01% | 64.99% | $0 | $10.0M |
| Q4 2024 | 97.02% | 66.42% | $0 | $10.0M |
| Q1 2025 | 92.95% | 74.89% | $0 | $8.0M |
| Q2 2025 | 93.32% | 69.16% | $0 | $8.0M |
| Q3 2025 | 97.21% | 61.14% | $0 | $8.0M |
| Q4 2025 | 101.42% | 61.29% | $0 | $10.0M |
| Q1 2026 | 99.75% | 69.84% | $0 | $11.0M |
| Q2 2026 | 98.29% | 55.94% | $0 | $11.0M |
Community State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8067) · FFIEC NIC profile (RSSD 322449)