Bank of Buffalo: 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 11.22 percentage points in Q2 2026, from 108.31% to 119.52%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Buffalo ranks 11th highest among the 120 banks headquartered in Kentucky, at 100.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Buffalo sits 20.14 points higher, at 100.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.9M |
| Fed funds sold and reverse repos | $777K |
| Fed funds sold and reverse repos to assets | 0.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.98% |
| Net loans and leases to deposits | 99.67% |
| Loans and leases to core deposits | 119.52% |
| Core deposits to total deposits | 74.44% |
| Brokered deposits to total deposits | 10.05% |
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 | 85.57% | 73.18% | $0 | $11.7M |
| Q4 2023 | 84.40% | 71.87% | $0 | $11.4M |
| Q1 2024 | 85.92% | 72.74% | $75K | $12.4M |
| Q2 2024 | 84.38% | 71.03% | $0 | $10.4M |
| Q3 2024 | 87.15% | 68.43% | $0 | $11.4M |
| Q4 2024 | 86.70% | 66.63% | $0 | $10.3M |
| Q1 2025 | 84.88% | 68.64% | $0 | $8.4M |
| Q2 2025 | 85.34% | 65.86% | $0 | $9.7M |
| Q3 2025 | 85.15% | 68.97% | $0 | $9.7M |
| Q4 2025 | 91.87% | 71.82% | $0 | $14.8M |
| Q1 2026 | 90.96% | 69.46% | $0 | $13.3M |
| Q2 2026 | 100.98% | 74.44% | $0 | $25.0M |
Bank of Buffalo liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Buffalo, 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 Bank of Buffalo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2733) · FFIEC NIC profile (RSSD 825940)