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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 61.1% higher than in Q1 2026, at $74.8M. Within Indiana, Community State Bank is 55th of 87 on loan-to-deposit ratio, 79.48% as of Q2 2026. At 79.48%, Community State Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $74.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $140.6M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.48% |
| Net loans and leases to deposits | 78.48% |
| Loans and leases to core deposits | 86.87% |
| Core deposits to total deposits | 91.50% |
| Brokered deposits to total deposits | 0.00% |
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 | 87.34% | 94.25% | $0 | $22.0M |
| Q4 2023 | 84.49% | 94.25% | $0 | $22.0M |
| Q1 2024 | 91.85% | 93.63% | $0 | $22.0M |
| Q2 2024 | 84.44% | 94.14% | $0 | $22.0M |
| Q3 2024 | 84.98% | 92.93% | $0 | $22.0M |
| Q4 2024 | 84.34% | 91.90% | $0 | $22.0M |
| Q1 2025 | 87.11% | 89.55% | $0 | $22.0M |
| Q2 2025 | 85.82% | 91.94% | $0 | $0 |
| Q3 2025 | 81.80% | 92.35% | $0 | $0 |
| Q4 2025 | 74.00% | 92.75% | $0 | $0 |
| Q1 2026 | 83.97% | 93.22% | $0 | $0 |
| Q2 2026 | 79.48% | 91.50% | $0 | $0 |
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 14883) · FFIEC NIC profile (RSSD 502746)