Bank of the Bluegrass and Trust Co.: 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: 72.8% lower than in Q1 2026, at $4.4M. Bank of the Bluegrass and Trust Co. ranks 40th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 89.31% (Q2 2026). Bank of the Bluegrass and Trust Co. reported 89.31% on loan-to-deposit ratio for Q2 2026, 8.47 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 | $26.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $89.5M |
| Fed funds sold and reverse repos | $4.4M |
| Fed funds sold and reverse repos to assets | 1.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $18.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.31% |
| Net loans and leases to deposits | 87.73% |
| Loans and leases to core deposits | 94.36% |
| Core deposits to total deposits | 93.69% |
| Brokered deposits to total deposits | 1.90% |
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 | 88.29% | 94.80% | $0 | $13.7M |
| Q4 2023 | 93.96% | 95.11% | $12.2M | $13.7M |
| Q1 2024 | 90.13% | 91.53% | $0 | $19.6M |
| Q2 2024 | 88.52% | 92.21% | $0 | $19.6M |
| Q3 2024 | 85.47% | 93.81% | $0 | $16.6M |
| Q4 2024 | 89.08% | 94.19% | $0 | $13.0M |
| Q1 2025 | 88.72% | 94.31% | $0 | $13.0M |
| Q2 2025 | 84.03% | 94.33% | $0 | $13.0M |
| Q3 2025 | 83.51% | 93.12% | $0 | $8.0M |
| Q4 2025 | 92.80% | 93.37% | $11.0M | $8.0M |
| Q1 2026 | 88.88% | 93.96% | $0 | $23.0M |
| Q2 2026 | 89.31% | 93.69% | $0 | $18.0M |
Bank of the Bluegrass and Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Bluegrass and Trust Co., 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 the Bluegrass and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21161) · FFIEC NIC profile (RSSD 1006513)