Bank of Cadiz and Trust 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.
Fed funds sold and reverse repos dropped 63.4% in Q2 2026, from $2.2M to $803K. It was the largest change from Q1 2026 among the key lines here. Bank of Cadiz and Trust Company ranks 108th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 62.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Cadiz and Trust Company sits 18.42 points lower, at 62.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.6M |
| Fed funds sold and reverse repos | $803K |
| Fed funds sold and reverse repos to assets | 0.56% |
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 | 62.42% |
| Net loans and leases to deposits | 61.88% |
| Loans and leases to core deposits | 66.38% |
| Core deposits to total deposits | 91.51% |
| Brokered deposits to total deposits | 2.53% |
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 | 46.59% | 93.11% | $0 | $0 |
| Q4 2023 | 48.82% | 91.99% | $0 | $0 |
| Q1 2024 | 48.91% | 91.30% | $0 | $0 |
| Q2 2024 | 52.23% | 91.21% | $0 | $0 |
| Q3 2024 | 52.91% | 93.02% | $0 | $0 |
| Q4 2024 | 52.72% | 92.88% | $0 | $0 |
| Q1 2025 | 50.47% | 92.72% | $0 | $0 |
| Q2 2025 | 52.79% | 93.31% | $0 | $0 |
| Q3 2025 | 55.13% | 94.05% | $0 | $0 |
| Q4 2025 | 57.78% | 93.77% | $0 | $0 |
| Q1 2026 | 60.03% | 93.60% | $0 | $0 |
| Q2 2026 | 62.42% | 91.51% | $0 | $0 |
Bank of Cadiz and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cadiz and Trust 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 Bank of Cadiz and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20239) · FFIEC NIC profile (RSSD 904845)