Community State Bank of Missouri: 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.
Fed funds sold and reverse repos climbed 43.8% in Q2 2026, from $3.9M to $5.7M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community State Bank of Missouri is 120th of 192 on loan-to-deposit ratio, 78.80% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Community State Bank of Missouri reported 78.80% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.6M |
| Fed funds sold and reverse repos | $5.7M |
| Fed funds sold and reverse repos to assets | 1.70% |
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 | 78.80% |
| Net loans and leases to deposits | 78.22% |
| Loans and leases to core deposits | 90.50% |
| Core deposits to total deposits | 87.07% |
| 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 | 81.81% | 93.84% | $326K | $5.0M |
| Q4 2023 | 78.76% | 93.44% | $0 | $0 |
| Q1 2024 | 84.23% | 92.20% | $0 | $4.1M |
| Q2 2024 | 89.32% | 91.62% | $3.0M | $10.0M |
| Q3 2024 | 87.50% | 91.60% | $0 | $7.0M |
| Q4 2024 | 76.71% | 89.32% | $0 | $0 |
| Q1 2025 | 78.07% | 87.59% | $0 | $0 |
| Q2 2025 | 79.81% | 87.32% | $0 | $0 |
| Q3 2025 | 82.80% | 87.37% | $0 | $0 |
| Q4 2025 | 77.06% | 88.08% | $0 | $0 |
| Q1 2026 | 76.61% | 87.64% | $0 | $0 |
| Q2 2026 | 78.80% | 87.07% | $0 | $0 |
Community State Bank of Missouri 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 of Missouri, 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 of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1936) · FFIEC NIC profile (RSSD 825548)