The 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.
Fed funds sold and reverse repos dropped 50.0% in Q2 2026, from $10.0M to $5.0M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Community State Bank is 77th of 169 on loan-to-deposit ratio, 80.30% as of Q2 2026, above the middle of the field. At 80.30%, The Community State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.8M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 1.27% |
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 | 80.30% |
| Net loans and leases to deposits | 79.31% |
| Loans and leases to core deposits | 92.92% |
| Core deposits to total deposits | 86.42% |
| 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 | 82.48% | 88.53% | $0 | $7.4M |
| Q4 2023 | 85.12% | 81.37% | $0 | $24.9M |
| Q1 2024 | 80.01% | 87.74% | $0 | $18.4M |
| Q2 2024 | 81.44% | 88.12% | $0 | $11.0M |
| Q3 2024 | 81.49% | 87.26% | $0 | $11.0M |
| Q4 2024 | 79.13% | 84.13% | $0 | $0 |
| Q1 2025 | 73.70% | 85.71% | $0 | $0 |
| Q2 2025 | 79.15% | 87.94% | $0 | $0 |
| Q3 2025 | 79.62% | 85.80% | $0 | $0 |
| Q4 2025 | 79.02% | 86.96% | $0 | $0 |
| Q1 2026 | 78.41% | 86.79% | $0 | $0 |
| Q2 2026 | 80.30% | 86.42% | $0 | $0 |
The 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 The 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 The Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20279) · FFIEC NIC profile (RSSD 706254)