The Cecilian Bank: 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: 36.5% higher than in Q1 2026, at $14.7M. Within Kentucky, The Cecilian Bank is 69th of 120 on loan-to-deposit ratio, 80.43% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Cecilian Bank sits 7.77 points lower, at 80.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $127.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $465.2M |
| Fed funds sold and reverse repos | $14.7M |
| Fed funds sold and reverse repos to assets | 0.92% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $41.5M |
| Other borrowed money | $48.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.43% |
| Net loans and leases to deposits | 79.51% |
| Loans and leases to core deposits | 91.13% |
| Core deposits to total deposits | 88.05% |
| Brokered deposits to total deposits | 0.21% |
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 | 78.86% | 87.34% | $58.8M | $50.7M |
| Q4 2023 | 78.52% | 86.04% | $48.1M | $60.0M |
| Q1 2024 | 77.12% | 85.92% | $51.2M | $57.3M |
| Q2 2024 | 78.68% | 85.97% | $49.5M | $55.8M |
| Q3 2024 | 80.22% | 87.95% | $53.1M | $53.3M |
| Q4 2024 | 81.02% | 87.78% | $51.1M | $51.9M |
| Q1 2025 | 81.17% | 87.78% | $53.1M | $49.6M |
| Q2 2025 | 81.90% | 88.04% | $68.0M | $48.1M |
| Q3 2025 | 83.38% | 88.80% | $59.7M | $45.9M |
| Q4 2025 | 82.34% | 89.07% | $51.5M | $52.2M |
| Q1 2026 | 80.96% | 89.27% | $46.6M | $50.0M |
| Q2 2026 | 80.43% | 88.05% | $41.5M | $48.7M |
The Cecilian Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cecilian Bank, 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 The Cecilian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8774) · FFIEC NIC profile (RSSD 982142)