Community Unity 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.
Loan-to-deposit ratio climbed 10.03 percentage points in Q2 2026, from 83.58% to 93.61%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Community Unity Bank is 22nd of 72 on loan-to-deposit ratio, 93.61% as of Q2 2026. Community Unity Bank reported 93.61% on loan-to-deposit ratio for Q2 2026, 13.06 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.3M |
| Fed funds sold and reverse repos | $11.7M |
| Fed funds sold and reverse repos to assets | 10.97% |
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 | 93.61% |
| Net loans and leases to deposits | 92.44% |
| Loans and leases to core deposits | 104.79% |
| Core deposits to total deposits | 63.70% |
| Brokered deposits to total deposits | 25.63% |
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 | 0.00% | 47.70% | $0 | $0 |
| Q4 2023 | 96.28% | 67.22% | $0 | $0 |
| Q1 2024 | 107.98% | 76.17% | $0 | $0 |
| Q2 2024 | 103.53% | 74.60% | $0 | $0 |
| Q3 2024 | 108.60% | 75.79% | $0 | $0 |
| Q4 2024 | 96.89% | 67.69% | $0 | $0 |
| Q1 2025 | 92.76% | 66.36% | $0 | $0 |
| Q2 2025 | 95.70% | 65.28% | $0 | $0 |
| Q3 2025 | 88.74% | 51.19% | $0 | $0 |
| Q4 2025 | 74.47% | 54.55% | $0 | $0 |
| Q1 2026 | 83.58% | 59.95% | $0 | $0 |
| Q2 2026 | 93.61% | 63.70% | $0 | $0 |
Community Unity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Unity 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 Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59305) · FFIEC NIC profile (RSSD 5860740)