Bank of Jamestown: 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 121.4% higher than in Q1 2026, at $6.8M. Within Kentucky, Bank of Jamestown is 63rd of 120 on loan-to-deposit ratio, 82.11% 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 Jamestown reported 82.11% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $102.8M |
| Fed funds sold and reverse repos | $6.8M |
| Fed funds sold and reverse repos to assets | 2.59% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $28.2M |
| Other borrowed money | $9.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.11% |
| Net loans and leases to deposits | 80.89% |
| Loans and leases to core deposits | 88.77% |
| Core deposits to total deposits | 92.49% |
| 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 | 83.69% | 95.72% | $27.7M | $8.2M |
| Q4 2023 | 87.31% | 95.73% | $25.8M | $10.9M |
| Q1 2024 | 82.33% | 93.66% | $22.4M | $10.4M |
| Q2 2024 | 83.06% | 93.19% | $18.8M | $13.3M |
| Q3 2024 | 85.01% | 92.82% | $22.5M | $15.0M |
| Q4 2024 | 82.55% | 92.71% | $21.0M | $14.7M |
| Q1 2025 | 82.84% | 92.86% | $25.7M | $14.5M |
| Q2 2025 | 84.13% | 92.58% | $20.3M | $14.5M |
| Q3 2025 | 85.04% | 92.02% | $27.4M | $14.2M |
| Q4 2025 | 84.09% | 91.90% | $24.8M | $13.9M |
| Q1 2026 | 81.77% | 91.78% | $24.2M | $10.5M |
| Q2 2026 | 82.11% | 92.49% | $28.2M | $9.4M |
Bank of Jamestown liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Jamestown, 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 Jamestown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8118) · FFIEC NIC profile (RSSD 567240)