Consumers National 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.
Other borrowed money climbed 253.7% in Q2 2026, from $7.9M to $27.8M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Consumers National Bank is 72nd of 156 on loan-to-deposit ratio, 83.72% as of Q2 2026, above the middle of the field. Consumers National Bank reported 83.72% on loan-to-deposit ratio for Q2 2026, 4.48 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $288.2M |
| 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 | $29.0M |
| Other borrowed money | $27.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.17% |
| Trading liabilities | $103K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.72% |
| Net loans and leases to deposits | 82.89% |
| Loans and leases to core deposits | 91.34% |
| Core deposits to total deposits | 91.66% |
| 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 | 74.67% | 94.85% | $21.4M | $9.1M |
| Q4 2023 | 77.61% | 93.09% | $24.9M | $27.3M |
| Q1 2024 | 76.14% | 93.41% | $18.5M | $19.0M |
| Q2 2024 | 78.11% | 93.35% | $20.0M | $24.5M |
| Q3 2024 | 76.95% | 93.17% | $17.1M | $18.9M |
| Q4 2024 | 76.51% | 93.04% | $20.9M | $8.8M |
| Q1 2025 | 74.87% | 93.81% | $16.5M | $4.8M |
| Q2 2025 | 78.51% | 92.66% | $15.5M | $23.2M |
| Q3 2025 | 78.09% | 93.19% | $19.4M | $4.9M |
| Q4 2025 | 80.13% | 90.31% | $20.2M | $4.9M |
| Q1 2026 | 81.56% | 91.86% | $21.5M | $7.9M |
| Q2 2026 | 83.72% | 91.66% | $29.0M | $27.8M |
Consumers National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Consumers National 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 Consumers National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19482) · FFIEC NIC profile (RSSD 477321)