Sherwood 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.
Fed funds sold and reverse repos climbed 42.5% in Q2 2026, from $1.8M to $2.5M. It was the largest change from Q1 2026 among the key lines here. Sherwood Community Bank ranks 147th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 73.01% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Sherwood Community Bank sits 5.38 points higher, at 73.01% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.3M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 3.23% |
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 | 73.01% |
| Net loans and leases to deposits | 72.41% |
| Loans and leases to core deposits | 78.02% |
| Core deposits to total deposits | 93.58% |
| 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 | 76.76% | 94.29% | $4.0M | $6.5M |
| Q4 2023 | 82.68% | 93.59% | $8.6M | $6.5M |
| Q1 2024 | 79.45% | 93.76% | $6.0M | $6.5M |
| Q2 2024 | 79.01% | 92.67% | $5.5M | $5.5M |
| Q3 2024 | 78.90% | 94.33% | $3.5M | $6.5M |
| Q4 2024 | 69.07% | 93.53% | $0 | $4.0M |
| Q1 2025 | 66.68% | 95.20% | $0 | $1.5M |
| Q2 2025 | 65.21% | 94.97% | $0 | $1.5M |
| Q3 2025 | 68.55% | 94.23% | $0 | $1.5M |
| Q4 2025 | 73.36% | 94.67% | $1.5M | $0 |
| Q1 2026 | 72.13% | 95.63% | $0 | $0 |
| Q2 2026 | 73.01% | 93.58% | $0 | $0 |
Sherwood Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sherwood 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 Sherwood Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1612) · FFIEC NIC profile (RSSD 887854)