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 Loans and leases to core deposits: 7.03 percentage points higher than in Q1 2026, at 99.19%. Within Nebraska, Cornerstone Bank is 49th of 138 on loan-to-deposit ratio, 90.48% as of Q2 2026. At 90.48%, Cornerstone Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $87.5M |
| Cash and noninterest-bearing balances to assets | 3.19% |
| Cash and securities | $568.6M |
| Fed funds sold and reverse repos | $300K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $12.4M |
| Other borrowed money | $145.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.48% |
| Net loans and leases to deposits | 89.43% |
| Loans and leases to core deposits | 99.19% |
| Core deposits to total deposits | 83.43% |
| Brokered deposits to total deposits | 7.92% |
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 | 89.36% | 81.58% | $6.6M | $214.1M |
| Q4 2023 | 88.86% | 77.86% | $7.8M | $225.1M |
| Q1 2024 | 88.81% | 76.49% | $8.8M | $163.0M |
| Q2 2024 | 92.23% | 73.85% | $7.9M | $240.0M |
| Q3 2024 | 88.69% | 72.03% | $8.0M | $154.0M |
| Q4 2024 | 89.17% | 73.89% | $6.5M | $185.0M |
| Q1 2025 | 90.07% | 75.44% | $11.9M | $168.0M |
| Q2 2025 | 92.15% | 77.49% | $6.0M | $223.0M |
| Q3 2025 | 88.87% | 75.75% | $8.3M | $128.0M |
| Q4 2025 | 85.73% | 76.96% | $12.7M | $56.0M |
| Q1 2026 | 84.48% | 81.34% | $8.6M | $0 |
| Q2 2026 | 90.48% | 83.43% | $12.4M | $145.0M |
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 5496) · FFIEC NIC profile (RSSD 403151)