LNB Community 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 2.28 percentage points in Q2 2026, from 85.94% to 88.22%. It was the largest change from Q1 2026 among the key lines here. LNB Community Bank ranks 38th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 86.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. LNB Community Bank sits 5.61 points higher, at 86.45% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.4M |
| 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 | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.45% |
| Net loans and leases to deposits | 85.45% |
| Loans and leases to core deposits | 88.22% |
| Core deposits to total deposits | 97.99% |
| 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 | 94.63% | 99.60% | $0 | $16.0M |
| Q4 2023 | 90.23% | 99.31% | $0 | $22.0M |
| Q1 2024 | 94.93% | 97.93% | $0 | $19.0M |
| Q2 2024 | 83.99% | 97.55% | $0 | $16.0M |
| Q3 2024 | 93.60% | 96.87% | $0 | $11.5M |
| Q4 2024 | 88.48% | 97.18% | $0 | $2.0M |
| Q1 2025 | 91.33% | 97.30% | $0 | $3.0M |
| Q2 2025 | 82.06% | 97.60% | $0 | $3.0M |
| Q3 2025 | 95.50% | 97.68% | $0 | $4.0M |
| Q4 2025 | 83.16% | 97.45% | $0 | $1.0M |
| Q1 2026 | 84.41% | 98.22% | $0 | $2.0M |
| Q2 2026 | 86.45% | 97.99% | $0 | $2.0M |
LNB Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock LNB Community 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 LNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4398) · FFIEC NIC profile (RSSD 176642)