Bank of Edmonson County: 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 100.0% in Q2 2026, from $4.5M to $0. It was the largest change from Q1 2026 among the key lines here. Bank of Edmonson County ranks 57th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 84.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Edmonson County sits 3.50 points higher, at 84.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.9M |
| 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 | $4.2M |
| Other borrowed money | $8.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.34% |
| Net loans and leases to deposits | 83.50% |
| Loans and leases to core deposits | 94.80% |
| Core deposits to total deposits | 88.97% |
| 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 | 76.01% | 91.59% | $0 | $13.7M |
| Q4 2023 | 78.69% | 91.12% | $0 | $13.1M |
| Q1 2024 | 80.01% | 90.56% | $0 | $17.8M |
| Q2 2024 | 80.56% | 89.53% | $0 | $17.6M |
| Q3 2024 | 80.64% | 88.73% | $0 | $17.5M |
| Q4 2024 | 80.52% | 89.43% | $0 | $13.9M |
| Q1 2025 | 79.19% | 89.03% | $0 | $13.7M |
| Q2 2025 | 78.91% | 88.97% | $0 | $9.6M |
| Q3 2025 | 79.63% | 88.38% | $0 | $9.4M |
| Q4 2025 | 82.99% | 88.65% | $4.9M | $9.0M |
| Q1 2026 | 80.91% | 88.98% | $0 | $11.3M |
| Q2 2026 | 84.34% | 88.97% | $4.2M | $8.6M |
Bank of Edmonson County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Edmonson County, 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 Edmonson County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 296) · FFIEC NIC profile (RSSD 903240)