Auburn Banking Company: 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 2.01 percentage points in Q2 2026, from 102.33% to 104.34%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Auburn Banking Company is 58th of 120 on loan-to-deposit ratio, 84.01% as of Q2 2026, above the middle of the field. Auburn Banking Company reported 84.01% on loan-to-deposit ratio for Q2 2026, 3.17 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.0M |
| Fed funds sold and reverse repos | $9.1M |
| Fed funds sold and reverse repos to assets | 5.52% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.0M |
| Other borrowed money | $1.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.01% |
| Net loans and leases to deposits | 83.38% |
| Loans and leases to core deposits | 104.34% |
| Core deposits to total deposits | 79.52% |
| Brokered deposits to total deposits | 1.00% |
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 | 87.46% | 90.61% | $1.0M | $9.0M |
| Q4 2023 | 83.95% | 86.47% | $1.0M | $9.0M |
| Q1 2024 | 85.21% | 85.02% | $1.0M | $6.0M |
| Q2 2024 | 88.62% | 84.92% | $1.0M | $9.0M |
| Q3 2024 | 88.63% | 82.24% | $1.0M | $6.0M |
| Q4 2024 | 88.80% | 81.63% | $1.0M | $8.0M |
| Q1 2025 | 88.65% | 85.34% | $1.0M | $6.0M |
| Q2 2025 | 85.69% | 82.53% | $1.0M | $3.0M |
| Q3 2025 | 87.67% | 82.97% | $1.0M | $3.0M |
| Q4 2025 | 84.06% | 80.07% | $1.0M | $3.0M |
| Q1 2026 | 83.75% | 80.78% | $1.0M | $1.5M |
| Q2 2026 | 84.01% | 79.52% | $1.0M | $1.5M |
Auburn Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn Banking Company, 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 Auburn Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 284) · FFIEC NIC profile (RSSD 811541)