Cornerstone Community Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Cornerstone Community Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $18.6M in Q3 2026. That is 35.3% of its total assets.
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
Loans and leases to core deposits climbed 32.75 percentage points in Q3 2026, from 20.23% to 52.98%. It was the largest change from Q2 2026 among the key lines here. Cornerstone Community Bank has the 2nd lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 40.70% as of Q3 2026. The median for banks in the < $100M asset tier is 68.95% on loan-to-deposit ratio. Cornerstone Community Bank sits 28.25 points lower, at 40.70% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q3 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 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 40.70% |
| Net loans and leases to deposits | 40.15% |
| Loans and leases to core deposits | 52.98% |
| Core deposits to total deposits | 76.82% |
| Brokered deposits to total deposits | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q2 2026 | 14.46% | 71.46% | $0 | $0 |
| Q3 2026 | 40.70% | 76.82% | $0 | $0 |
Cornerstone Community Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. How these pages are built. See the full Cornerstone Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59379) · FFIEC NIC profile (RSSD 6152572)