Central Bank & Trust Company: 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.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $2.0M to $0. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Central Bank & Trust Company is 20th of 120 on loan-to-deposit ratio, 96.60% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central Bank & Trust Company sits 8.40 points higher, at 96.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $376.9M |
| Cash and noninterest-bearing balances to assets | 9.39% |
| Cash and securities | $865.8M |
| 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 | $220.9M |
| Other borrowed money | $56.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.60% |
| Net loans and leases to deposits | 95.66% |
| Loans and leases to core deposits | 110.04% |
| Core deposits to total deposits | 85.38% |
| Brokered deposits to total deposits | 2.40% |
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 | 96.09% | 90.20% | $258.1M | $122.0M |
| Q4 2023 | 98.23% | 88.51% | $212.6M | $0 |
| Q1 2024 | 100.03% | 87.64% | $207.3M | $15.0M |
| Q2 2024 | 103.45% | 87.04% | $207.0M | $90.0M |
| Q3 2024 | 101.87% | 85.59% | $218.3M | $50.0M |
| Q4 2024 | 100.23% | 85.36% | $198.2M | $50.0M |
| Q1 2025 | 97.89% | 84.42% | $217.5M | $50.0M |
| Q2 2025 | 97.17% | 84.93% | $209.6M | $55.0M |
| Q3 2025 | 93.74% | 84.77% | $228.0M | $55.0M |
| Q4 2025 | 95.07% | 84.49% | $226.5M | $55.0M |
| Q1 2026 | 94.43% | 85.03% | $225.6M | $55.0M |
| Q2 2026 | 96.60% | 85.38% | $220.9M | $56.5M |
Central Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank & Trust Company, 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 Central Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15815) · FFIEC NIC profile (RSSD 1007015)