1st Trust Bank, Inc.: 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 6.87 percentage points higher than in Q1 2026, at 8.61%. Within Kentucky, 1st Trust Bank, Inc. is 22nd of 120 on loan-to-deposit ratio, 96.20% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. 1st Trust Bank, Inc. sits 15.37 points higher, at 96.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.8M |
| Fed funds sold and reverse repos | $613K |
| Fed funds sold and reverse repos to assets | 0.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.20% |
| Net loans and leases to deposits | 95.54% |
| Loans and leases to core deposits | 133.95% |
| Core deposits to total deposits | 63.22% |
| Brokered deposits to total deposits | 8.61% |
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 | 93.50% | 72.87% | $0 | $8.0M |
| Q4 2023 | 86.12% | 68.27% | $0 | $8.0M |
| Q1 2024 | 86.06% | 68.43% | $0 | $23K |
| Q2 2024 | 86.58% | 67.29% | $0 | $19K |
| Q3 2024 | 88.73% | 66.82% | $0 | $15.0M |
| Q4 2024 | 85.71% | 67.63% | $0 | $0 |
| Q1 2025 | 86.37% | 67.99% | $0 | $0 |
| Q2 2025 | 86.56% | 67.14% | $0 | $0 |
| Q3 2025 | 88.82% | 67.20% | $0 | $0 |
| Q4 2025 | 87.09% | 68.62% | $0 | $0 |
| Q1 2026 | 92.19% | 67.72% | $0 | $13.0M |
| Q2 2026 | 96.20% | 63.22% | $0 | $11.0M |
1st Trust Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Trust Bank, Inc., 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 1st Trust Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57869) · FFIEC NIC profile (RSSD 3309393)