The 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.
Net loans and leases to deposits climbed 1.65 percentage points in Q2 2026, from 89.69% to 91.35%. It was the largest change from Q1 2026 among the key lines here. The Cornerstone Bank ranks 59th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 92.91% (Q2 2026). The Cornerstone Bank reported 92.91% on loan-to-deposit ratio for Q2 2026, 11.96 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $38.5M |
| 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 | $2.0M |
| 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 | 92.91% |
| Net loans and leases to deposits | 91.35% |
| Loans and leases to core deposits | 102.98% |
| Core deposits to total deposits | 88.21% |
| Brokered deposits to total deposits | 2.01% |
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 | 85.40% | 90.55% | $0 | $3.5M |
| Q4 2023 | 88.91% | 88.32% | $0 | $3.5M |
| Q1 2024 | 86.64% | 87.06% | $0 | $3.7M |
| Q2 2024 | 84.32% | 87.56% | $0 | $3.7M |
| Q3 2024 | 87.50% | 88.06% | $0 | $2.9M |
| Q4 2024 | 86.72% | 88.36% | $0 | $750K |
| Q1 2025 | 86.01% | 89.00% | $0 | $0 |
| Q2 2025 | 86.16% | 88.75% | $0 | $0 |
| Q3 2025 | 89.32% | 87.65% | $0 | $0 |
| Q4 2025 | 91.72% | 88.09% | $2.0M | $0 |
| Q1 2026 | 91.33% | 87.55% | $0 | $0 |
| Q2 2026 | 92.91% | 88.21% | $2.0M | $0 |
The Cornerstone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9388) · FFIEC NIC profile (RSSD 312356)