Bank of Lexington, Inc.: 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.
Other borrowed money climbed 600.0% in Q2 2026, from $5.0M to $35.0M. It was the largest change from Q1 2026 among the key lines here. Bank of Lexington, Inc. ranks 15th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 100.28% (Q2 2026). Bank of Lexington, Inc. reported 100.28% on loan-to-deposit ratio for Q2 2026, 19.44 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 | $54.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.1M |
| 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 | $35.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.28% |
| Net loans and leases to deposits | 99.74% |
| Loans and leases to core deposits | 107.97% |
| Core deposits to total deposits | 86.16% |
| Brokered deposits to total deposits | 6.71% |
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 | 81.51% | 79.36% | $0 | $8.0M |
| Q4 2023 | 89.50% | 77.64% | $0 | $8.0M |
| Q1 2024 | 92.09% | 78.71% | $0 | $8.0M |
| Q2 2024 | 96.64% | 73.57% | $0 | $21.0M |
| Q3 2024 | 94.21% | 78.35% | $0 | $17.0M |
| Q4 2024 | 96.40% | 71.73% | $0 | $13.0M |
| Q1 2025 | 71.60% | 86.36% | $0 | $0 |
| Q2 2025 | 76.81% | 91.58% | $0 | $0 |
| Q3 2025 | 79.03% | 93.34% | $0 | $0 |
| Q4 2025 | 89.70% | 94.16% | $0 | $0 |
| Q1 2026 | 92.26% | 89.02% | $0 | $5.0M |
| Q2 2026 | 100.28% | 86.16% | $0 | $35.0M |
Bank of Lexington, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lexington, Inc., 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 Lexington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58164) · FFIEC NIC profile (RSSD 3410141)