Bank of the Mountains, 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 92.6% lower than in Q1 2026, at $483K. Bank of the Mountains, Inc. ranks 50th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 85.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of the Mountains, Inc. sits 4.94 points higher, at 85.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.2M |
| Fed funds sold and reverse repos | $483K |
| Fed funds sold and reverse repos to assets | 0.48% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $180K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.77% |
| Net loans and leases to deposits | 84.70% |
| Loans and leases to core deposits | 95.38% |
| Core deposits to total deposits | 89.93% |
| 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 | 72.01% | 93.55% | $0 | $305K |
| Q4 2023 | 78.66% | 93.62% | $0 | $293K |
| Q1 2024 | 76.32% | 93.81% | $0 | $282K |
| Q2 2024 | 76.76% | 93.25% | $0 | $271K |
| Q3 2024 | 78.23% | 91.66% | $0 | $259K |
| Q4 2024 | 75.84% | 91.64% | $0 | $247K |
| Q1 2025 | 77.35% | 91.52% | $0 | $236K |
| Q2 2025 | 76.57% | 91.42% | $0 | $224K |
| Q3 2025 | 78.37% | 91.03% | $0 | $212K |
| Q4 2025 | 80.19% | 90.39% | $0 | $200K |
| Q1 2026 | 79.10% | 91.23% | $0 | $190K |
| Q2 2026 | 85.77% | 89.93% | $0 | $180K |
Bank of the Mountains, 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 the Mountains, 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 the Mountains, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21219) · FFIEC NIC profile (RSSD 422116)