Cornerstone 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: 242.9% higher than in Q1 2026, at $36.0M. Cornerstone Bank has the highest loan-to-deposit ratio of the 182 banks headquartered in Kansas, 146.32% as of Q2 2026. Cornerstone Bank's loan-to-deposit ratio of 146.32% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 65.76 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.2M |
| 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 | $0 |
| Other borrowed money | $160.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 31.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 146.32% |
| Net loans and leases to deposits | 144.66% |
| Loans and leases to core deposits | 147.53% |
| Core deposits to total deposits | 72.40% |
| Brokered deposits to total deposits | 26.78% |
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 | 130.20% | 95.07% | $1.6M | $98.5M |
| Q4 2023 | 115.72% | 90.98% | $1.9M | $67.9M |
| Q1 2024 | 124.00% | 91.19% | $959K | $87.9M |
| Q2 2024 | 135.34% | 83.97% | $945K | $117.9M |
| Q3 2024 | 109.42% | 64.52% | $0 | $45.0M |
| Q4 2024 | 121.28% | 59.85% | $0 | $79.0M |
| Q1 2025 | 110.04% | 61.57% | $0 | $53.0M |
| Q2 2025 | 126.04% | 58.03% | $0 | $102.5M |
| Q3 2025 | 128.08% | 57.31% | $0 | $112.5M |
| Q4 2025 | 134.71% | 60.09% | $0 | $129.0M |
| Q1 2026 | 133.00% | 62.03% | $0 | $104.0M |
| Q2 2026 | 146.32% | 72.40% | $0 | $160.5M |
Cornerstone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57250) · FFIEC NIC profile (RSSD 3027763)