Bank of Columbia: 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.
Compared with Q1 2026, Core deposits to total deposits fell 0.58 percentage points in Q2 2026 to 85.44%, the biggest move on this page. Bank of Columbia ranks 41st of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 88.95% (Q2 2026). Bank of Columbia reported 88.95% on loan-to-deposit ratio for Q2 2026, 8.12 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 | $16.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.6M |
| Fed funds sold and reverse repos | $225K |
| Fed funds sold and reverse repos to assets | 0.10% |
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 | 88.95% |
| Net loans and leases to deposits | 87.55% |
| Loans and leases to core deposits | 104.11% |
| Core deposits to total deposits | 85.44% |
| Brokered deposits to total deposits | 0.00% |
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 | 91.50% | 93.89% | $3.0M | $0 |
| Q4 2023 | 92.83% | 92.76% | $0 | $6.8M |
| Q1 2024 | 91.15% | 90.88% | $3.0M | $0 |
| Q2 2024 | 90.90% | 89.78% | $0 | $0 |
| Q3 2024 | 92.46% | 89.90% | $1.5M | $0 |
| Q4 2024 | 89.90% | 90.22% | $0 | $0 |
| Q1 2025 | 88.64% | 88.59% | $0 | $0 |
| Q2 2025 | 89.90% | 88.77% | $0 | $0 |
| Q3 2025 | 93.89% | 88.22% | $0 | $7.2M |
| Q4 2025 | 92.72% | 86.92% | $0 | $6.5M |
| Q1 2026 | 89.06% | 86.02% | $0 | $0 |
| Q2 2026 | 88.95% | 85.44% | $0 | $0 |
Bank of Columbia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Columbia, 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 Columbia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8775) · FFIEC NIC profile (RSSD 839246)