First Commerce 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.
Loans and leases to core deposits climbed 7.50 percentage points in Q2 2026, from 117.38% to 124.87%. It was the largest change from Q1 2026 among the key lines here. First Commerce Bank ranks 27th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 94.04% (Q2 2026). First Commerce Bank reported 94.04% on loan-to-deposit ratio for Q2 2026, 13.49 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.6M |
| 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 | $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 | 94.04% |
| Net loans and leases to deposits | 93.09% |
| Loans and leases to core deposits | 124.87% |
| Core deposits to total deposits | 75.31% |
| 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 | 79.16% | 87.37% | $0 | $0 |
| Q4 2023 | 79.70% | 85.46% | $0 | $15.0M |
| Q1 2024 | 79.99% | 85.53% | $0 | $15.0M |
| Q2 2024 | 86.96% | 83.80% | $0 | $15.0M |
| Q3 2024 | 87.84% | 82.56% | $0 | $15.0M |
| Q4 2024 | 87.27% | 82.06% | $0 | $4.5M |
| Q1 2025 | 83.77% | 83.18% | $0 | $0 |
| Q2 2025 | 92.54% | 80.14% | $0 | $6.0M |
| Q3 2025 | 93.56% | 74.26% | $0 | $4.0M |
| Q4 2025 | 91.39% | 71.77% | $0 | $0 |
| Q1 2026 | 89.54% | 76.29% | $0 | $0 |
| Q2 2026 | 94.04% | 75.31% | $0 | $0 |
First Commerce Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce 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 First Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57273) · FFIEC NIC profile (RSSD 3041358)