Bank of Kilmichael: 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.
Loans and leases to core deposits climbed 3.00 percentage points in Q2 2026, from 69.17% to 72.16%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Bank of Kilmichael is 38th of 57 on loan-to-deposit ratio, 65.86% 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 Kilmichael sits 14.98 points lower, at 65.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $125.2M |
| Fed funds sold and reverse repos | $150K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.86% |
| Net loans and leases to deposits | 64.85% |
| Loans and leases to core deposits | 72.16% |
| Core deposits to total deposits | 91.27% |
| 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 | 53.52% | 93.21% | $0 | $12.2M |
| Q4 2023 | 55.04% | 92.53% | $0 | $12.2M |
| Q1 2024 | 50.56% | 93.24% | $0 | $696K |
| Q2 2024 | 51.49% | 92.85% | $0 | $189K |
| Q3 2024 | 54.41% | 92.05% | $0 | $182K |
| Q4 2024 | 59.17% | 92.03% | $0 | $174K |
| Q1 2025 | 59.01% | 92.19% | $0 | $167K |
| Q2 2025 | 64.81% | 91.58% | $0 | $5.2M |
| Q3 2025 | 65.27% | 91.62% | $0 | $8.2M |
| Q4 2025 | 65.48% | 91.21% | $0 | $8.1M |
| Q1 2026 | 63.56% | 91.89% | $0 | $8.1M |
| Q2 2026 | 65.86% | 91.27% | $0 | $8.1M |
Bank of Kilmichael liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Kilmichael, 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 Kilmichael profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9775) · FFIEC NIC profile (RSSD 780049)