Bank of Clarkson: 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.
Cash and balances due from depository institutions dropped 25.6% in Q2 2026, from $10.3M to $7.7M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Bank of Clarkson is 70th of 120 on loan-to-deposit ratio, 80.30% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bank of Clarkson reported 80.30% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.30% |
| Net loans and leases to deposits | 79.88% |
| Loans and leases to core deposits | 88.07% |
| Core deposits to total deposits | 82.49% |
| Brokered deposits to total deposits | 8.69% |
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 | 65.96% | 88.14% | $0 | $4.0M |
| Q4 2023 | 63.86% | 86.76% | $0 | $3.9M |
| Q1 2024 | 65.25% | 86.42% | $0 | $3.9M |
| Q2 2024 | 66.21% | 85.25% | $0 | $7.3M |
| Q3 2024 | 75.29% | 88.82% | $0 | $7.3M |
| Q4 2024 | 78.09% | 88.47% | $2.0M | $10.2M |
| Q1 2025 | 75.26% | 86.51% | $0 | $7.1M |
| Q2 2025 | 77.28% | 86.39% | $0 | $6.6M |
| Q3 2025 | 80.54% | 86.09% | $4.5M | $6.5M |
| Q4 2025 | 83.53% | 86.27% | $2.0M | $11.5M |
| Q1 2026 | 80.20% | 82.00% | $0 | $11.4M |
| Q2 2026 | 80.30% | 82.49% | $0 | $8.9M |
Bank of Clarkson liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarkson, 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 Clarkson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13167) · FFIEC NIC profile (RSSD 720344)